Benefits of Hiring a Wedding Planner

Posted by Grant Patten on Jun 18, 2019 6:12:18 AM

Benefits of Hiring a Wedding Planner

Benefits of Hiring a Wedding Planner
31% of engaged couples sought the help of a wedding planner to assist with their wedding, compared to less than a third 10 years ago. (Wedding Wire survey, 2017) We at Front Row Insurance anticipate that percentage to continue to increase over the coming decade, as more and more couples will come to realize that reducing their stress by hiring a good wedding planner is well worth the investment.

In this post, we’ll look at some of the brief history of the wedding planning profession, we’ll look at the main benefits of hiring a wedding planner and we’ll conclude with some helpful tips on what to look for when hiring a wedding planner.

The History of the Wedding Planner

Weddings (and the expectations around them) have changed substantially over the past ~50 years. Decades ago, for example, it was a given that a bride’s parents would pay for her wedding. This tradition dates back to the dowry system where parents “reimbursed” the groom and his family for taking on the task of supporting their daughter.

The Wedding Planner Movie PosterThe concept of a wedding planner perhaps first came to widespread public attention with the release of the 2001 romcom The Wedding Planner starring Jennifer Lopez and Matthew McConaughey. Although the movie received generally negative reviews, it was a box office hit and no doubt helped the wedding planning profession as a whole.

Wedding planning is a relatively young profession, as through most of time weddings were simply planned by the families themselves. But today, with the average wedding costing ~$28,000 USD, if you’re already making such a substantial investment, it makes sense to hire a dedicated consultant to manage the complexity of it all.

Benefits of Hiring a Wedding Planner

Let’s look at some of the primary benefits of hiring a wedding planner:

  • Time savings: the average wedding takes 200+ hours to plan. As the bride or groom, you’d likely prefer being able to hand off those administrative & coordination duties to an experienced professional, so you can enjoy the anticipation of your wedding.
  • Relieves stress: along with purchasing a Wedding Insurance policy, one of the most effective ways to have a less stressful wedding is to hire an experienced wedding planner. You simply won’t have to worry about as much and if something does go wrong on the wedding day, a good planner will be there to put out any fires.
  • Fresh ideas: wedding planners will usually strive to provide you with a more special & unique wedding than you would have had without hiring one. Planners generally know both the latest trends and classic ideas for wedding inspiration, so they’ll attempt to deliver something more than just a “cookie-cutter wedding”.
  • Valuable advice: an experienced wedding planner will know the “ins and outs” of the wedding industry, including great venues to consider and the best caterers, bands, DJs and florists in the area (or at least acceptable ones to fit your budget).
  • Foreign country knowledge: if you’re planning a destination wedding where the documentation and paperwork can be complicated, a wedding planner becomes almost essential. Any country where a wedding is held requires different procedures depending on the nationalities of the bride and groom. E.g., US citizens marrying in Italy require an affidavit sworn in front of the US consulate in Italy. A wedding planner can take care of these oft-complicated procedures.

Wedding Planner Selection Tips

via GIPHY

What should you look for when trying to decide on a wedding planner, then? Here are some tips to help you find a good one:

  • A free consultation: professional wedding planners will offer a free consultation so they can get to know you and your wedding vision and determine if they're a good fit for you.
  • Gauge the “chemistry”: at the consultation, instead of an “all-business meeting”, also try some informal small talk with the planner and get to know them. If conversation flows easily between you, then that is a good sign that there is some chemistry and you’ll be comfortable working with your planner.
  • Consider the services: what services will you really need for your wedding, and what does the planner cover? Some planners offer all-encompassing packages, whereas others are more à la carte. Maybe you only need a day-of coordinator instead of someone to pre-plan the entire wedding, for example.
  • Review their portfolio: most experienced planners will have some kind of portfolio that you can look at to view their work on past weddings. Ensure that the overall style of at least some of their past weddings matches what you’re going for.
  • Check their references: ask the planner to provide you with contact information for a few of the couples they had as prior clients. Take the time to call these references and ask some helpful questions, such as:
    • What was the planner like to work with?
    • How quickly did the planner respond to texts, emails, ?
    • How closely did the planner stick to your budget?
    • Was the wedding’s style exactly what you wanted?
    • Any constructive criticism of the planner?

How to Buy Wedding Liability Insurance

Consider adding on your wedding planner as an additional Insured to your wedding insurance policy. A certificate can be issued to the wedding planner. This maintains the professional aspect of everything and protects everyone involved.

Under Front Row’s Wedding Liability Insurance policy, coverage can be included for the wedding planner under a custom Wedding Enhancement Package. Just let us know that you’re interested in adding on your planner as an additional Insured. Policies starting at $105.

Wedding planners should also consider purchasing their own Annual General Liability policy to protect them year-round when working for their wedding clients. If you’re a wedding planner interested in such a policy, contact Front Row Insurance and let’s discuss.

RELATED LINKS:

Wedding Insurance 101 & How to Protect Your Wedding Investments

Wedding Insurance: what is it?

4 Reasons to Buy Online Insurance for Weddings

Wedding Insurance Cost: Less than You Think

Renting out your church, mosque or other place of worship?

Keep your Backyard Wedding on a Budget

Planning a Wedding at Home?

Wedding Ring Insurance

Disaster on Your Wedding Day?

Planning a Bridal Shower?

Baby Shower Insurance

Host Liquor Liability Insurance

How to Prevent Wedding Gift Theft

6 Tips to Protect Wedding Flowers

How to Protect Your Wedding Dress

How to Protect Your Wedding Cake

How to Prevent Wedding Crashers

Benefits of Hiring a Wedding Planner

CITATIONS:

Topics: wedding insurance

How to Protect Your Wedding Cake

Posted by Grant Patten on Jun 14, 2019 7:43:35 AM

How to Protect Your Wedding Cake

How to Protect Your Wedding Cake

The wedding cake is a centerpiece to any wedding and should certainly be treated with just as much care as other important elements of your wedding, such as the wedding dress, the wedding gifts and the wedding ring. Wedding cakes have been present at wedding ceremonies for centuries and are rife with symbolism. In this article, we’ll take a look at some of the interesting history behind the wedding cake, we’ll review some examples of awesome cakes from past weddings and we’ll conclude with some tips on how to best protect your wedding cake.

The History of the Wedding Cake

Why a wedding cake? Why not some other food to celebrate marriage? Well, the tradition of the wedding cake goes back to Ancient Rome, where a cake of wheat or barley was broken over the bride’s head to bring good fortune to the couple.

first completely edible wedding cakeDuring the 16th and 17th centuries in Europe, the wedding cake was actually more of a pie, the “bride’s pie”, normally consisting of an assortment of oysters, lamb testicles and pine kernels. Mmm, tasty! By the 19th century, the bride’s pie had transformed into the modern wedding cake that we know today.

For much of history, sugar was too expensive for most families to afford. But by the 19th century, sugar had become cheaper and it was easier for working-class families to imitate the weddings of the rich, such as the wedding of Queen Victoria & Prince Albert in 1840, which featured a prominent white wedding cake.

The first completely edible wedding cake originated at the 1882 wedding of Prince Leopold, Duke of Albany. This wedding cake was created in separate layers with stacked tiers, a groundbreaking innovation for wedding cakes at the time.

Examples of Awesome Wedding Cakes

If you haven’t chosen your wedding cake design yet or if you’d just like some inspiration before your own big day, take a look at some of these impressive wedding cakes throughout history:

Princess Eugenie & Jack Brooksbank's 400-egg treat (wedding 12 October 2018).

Princess Eugenie & Jack Brooksbank's cake

 

Chelsea Clinton & Marc Mezvinsky’s gluten-free wedding cake (wedding 31 July 2010).

Chelsea Clinton & Marc Mezvinsky’s cake

 

Princess Diana & Prince Charles' 5-foot+ tall wedding cake (wedding 29 July 1981).

Princess Diana & Prince Charles' cake

 

Elvis & Priscilla Presley's 6-level wedding cake (wedding 1 May 1967).

Elvis & Priscilla Presley's cake

Wedding Cake Protection Tips – Before & During the Wedding

Let’s look at some tips on how to protect your wedding cake from damage before & during the wedding, and also some tips on how to preserve the cake if you choose to do so:

  • Make sure your cake table is set and ready by the time your cake arrives. It's ideal to have your cake delivered right before the wedding starts.
  • Choose cake display position based on the sun, if outside. E.g., you wouldn’t want to put your cake table on the sunny side of your tent, as this will cause melting.
  • Choose a lighter colour for your cake, especially if it will be displayed outside in hot weather. Dark-coloured frosting will melt more easily in the sun.
  • Use a glass cover if your cake is able to fit inside one. If outside, this will prevent bugs from landing on and sticking to your cake.Faux tiers cake
  • Have a canopy over the cake table so there is some type of shade, if outdoors.
  • Indoors, the venue should definitely have ample air conditioning.
  • Consider asking your cake designer about inserting some faux tiers. Faux tiers help stabilize a cake and keep it in place.

Of course, different cake types will have different storage and care needs depending on the ingredients used, so be sure to talk to your cake designer about what they recommend.

 

Wedding Cake Preservation Tips – After the Wedding

Cake top tier

It is a tradition to save, freeze and store the cake’s top tier for after the wedding. In case you’d like to do this, keep these tips in mind:

  • Allow the cake to harden before you begin wrapping to preserve the integrity of the icing.
  • Remove any ornaments and decorations from the cake before wrapping.
  • Cover the cake with plastic wrap and aluminum foil, making sure to wrap airtight.
  • Place the cake in an airtight freezer container.
  • If storing the cake inside a freezer with other food, include a box of baking soda in the freezer to absorb any smells.
  • Talk to your cake designer and/or wedding planner about potentially assisting with the post-wedding cake preservation.


How to Buy Wedding Liability Insurance

Adding a Wedding Enhancement Package onto your Front Row Wedding Liability Insurance policy will cover the Insured, following loss or damage to any wedding cake during the period of 7 days prior to the wedding date shown on the individual binder of insurance online and up to 24 hours after the reception date shown on the individual binder of insurance issued online, whilst at the Insured’s home or at the reception location shown on the individual binder of insurance issued online or in transit between these locations. Policies starting at $105.

RELATED LINKS:

Wedding Insurance 101 & How to Protect Your Wedding Investments

Wedding Insurance: what is it?

4 Reasons to Buy Online Insurance for Weddings

Wedding Insurance Cost: Less than You Think

Renting out your church, mosque or other place of worship?

Keep your Backyard Wedding on a Budget

Planning a Wedding at Home?

Wedding Ring Insurance

Disaster on Your Wedding Day?

Planning a Bridal Shower?

Baby Shower Insurance

Host Liquor Liability Insurance

How to Prevent Wedding Gift Theft

6 Tips to Protect Wedding Flowers

How to Protect Your Wedding Dress

How to Protect Your Wedding Cake

How to Prevent Wedding Crashers

Benefits of Hiring a Wedding Planner

CITATIONS: 

Topics: wedding insurance

6 Tips to Protect Your Wedding Flowers

Posted by David McLeish on Jun 13, 2019 6:29:20 AM

Protect Your Wedding Flowers

Protect Your Wedding Flowers

The History of the Wedding Flower

Flowers are an integral part of any wedding. The use of flowers during wedding ceremonies developed out of the ancient practice of adorning brides and grooms with aromatic herbs and garlic, to ward off evil spirits and give the happy couple an auspicious start. Gradually, herbs and spices gave way to aromatic flowers.

The oldest known book on flower-arranging is Japanese and dates from 1445. Flower-arranging as an art form was brought to Japan by Buddhist monks, who learned it while in China.

Golden Apple of Discord: did you know that the practice of the bride throwing a wedding bouquet over her shoulder for a single woman to catch comes from Greek mythology? The goddess Eris tossed an apple in the middle of the feast of the gods at the wedding of Peleus & Thetis as a prize of beauty, thus sparking a dispute among Hera, Athena, and Aphrodite that led to the Trojan War!

Floriography is communication through the use or arrangement of flowers. Ultimately, flowers will have different meanings for different people and cultures, so it’s just about selecting what feels right to you. Can’t think of the flowers that would make sense for your wedding? Well, you could always consult an online flower dictionary (in case you didn’t know that was a thing).

Arrangements today are used mostly for their decorative and visual appeal. Enter Instagram, Kim & Kanye. Kim’s impressive wedding day flower wall was built to match her Givenchy dress!

Kim’s impressive wedding day flower wall

 

Most Popular Wedding Flowers

Some flower types are more suited to weddings than others. Let’s review some of the most popular flower types for weddings:

  • Rose: of course we must begin with the classic rose, widely considered a symbol of beauty & love; you cannot go wrong with these at your wedding.

Wedding rose

  • Nosegay: these small flower bouquets are especially suited to weddings.

Nosegay

  • Ranunculus: ideal for spring, summer or fall weddings, the budget-friendly & cheerful ranunculus has yellow or white bowl-shaped flowers.

Ranunculus

  • Peonies: showy flowers ideal for spring or summer weddings, traditionally pink, white or red.

Peonies

  • Hydrangeas: with rounded or flattened flowering heads of small florets, hydrangeas are a beautiful choice for any wedding.

Hydrangeas

 

6 Tips to Protect Your Wedding Flowers

Flowers are delicate things and need to be protected. Wedding flowers can be insured as part of a wedding insurance package, but that will only help save the day if you discover the damage in time to submit a claim and order replacements (there are other things insurance can cover—we’ll talk about that later). Also, some things that can damage flowers won’t be covered by an insurance policy, like mold, mildew & spores, improper handling, or wear and tear. Here are some pro tips to help get those flowers to the ceremony safe and fresh as a dahlia.

  1. Unbox & Bucket

Get your flowers out of their boxes and into water buckets as soon as possible. Keep the boxes so you can transport the flowers later. Remove any plastic wrapping, paper, foam, or string. Store the flowers in buckets of different sizes to match the lengths of the stems and hold the flower bunches together neatly, so they’re not squished. The wrong sized bucket can damage your flowers.

  1. Hydrate, Hydrate, Hydrate!

Flowers are thirsty, and they need clean, fresh water. Check the water levels regularly (every hour or so) when they’re fresh out of the box, as they may need to be refilled. The flowers should be sitting in about 4 inches of water. Change the water every 24 hours, and use flower food—if the flowers call for it! You can purchase flower food from any local florist, but speak with them first, as some varieties actually do not like flower food.

  1. Trimming and prepping the stems

Angled flowers cutImmediately after getting your flowers in water, you should be trimming and prepping the stems. Remove foliage that falls below the water line, as this may cause bacteria or rot. Use sharp scissors, and trim the tips of the stems at an angle. If you don’t make a clean cut, you could damage the stems and prevent water absorption. An angled cut creates a larger surface area to absorb water, and keeps the stems from sitting flat in the bucket, blocking the water-absorbing cells.

  1. Store in a cool, dry place

Keep your flowers out of direct sunlight. If they’re looking perfect, keep them dark and cool. Do not refrigerate flowers, as the temperatures are too cold and may cause damage (unless they’re dahlias or peonies that are about to burst – these varieties can handle refrigeration). If they need to bloom a little bit more, put them somewhere warmer and brighter but still out of direct sun, as this may damage the flowers.

Also, keep flowers away from fruits and vegetables. Fruits and veggies emit Ethylene gas as they ripen, and this tells other flowers to drop their petals and turn into fruits and veggies themselves. Or maybe you want to walk down the aisle with a basket of fruits and veggies? Could be… tasteful?

  1. Transportation

Keeping flowers cool, fresh, and fed is easy, compared to the perils of transportation. Use those flower boxes you didn’t throw away (remember?) to create a carrying case for your arrangements. Cut ‘X’s into the box lid, and push the arrangements through the ‘X’s so they’re sitting snugly inside the box. Cut smaller ‘X’s for hand-held arrangements, larger ‘X’s for vases.

The stems should be tucked safe inside the box with the flowers sitting nicely on top. This prevents the arrangements from shifting around during transportation. You may need two people to move the boxes, depending on how heavy the vases are.

  1. Get Wedding Flower Insurance

Adding a Wedding Enhancement Package onto your Front Row Wedding Liability Insurance policy will cover loss or damage to any wedding flowers during the period of 7 days prior to the wedding date shown on the individual binder of insurance online and up to 24 hours after the reception date shown on the individual binder of insurance issued online. It can also cover costs of rearrangement. Say you have to reschedule the entire wedding, because a hurricane has grounded flights and your extended family won’t be able to attend. The florist has already delivered their shipment. They’re not obligated to give you a second flush, but a good insurance policy can cover those extra, unanticipated costs.

Wedding insurance may also cover “failure of supplier” due to bankruptcy, liquidation or insolvency. What? You hadn’t thought about what to do if your florist goes bankrupt right before the wedding? Well, your insurance broker has. Let them worry about hurricanes and bankruptcies. You’ve probably got enough to worry about.

RELATED LINKS:

Wedding Insurance 101 & How to Protect Your Wedding Investments

Wedding Insurance: what is it?

4 Reasons to Buy Online Insurance for Weddings

Wedding Insurance Cost: Less than You Think

Renting out your church, mosque or other place of worship?

Keep your Backyard Wedding on a Budget

Planning a Wedding at Home?

Wedding Ring Insurance

Disaster on Your Wedding Day?

Planning a Bridal Shower?

Baby Shower Insurance

Host Liquor Liability Insurance

How to Prevent Wedding Gift Theft

6 Tips to Protect Wedding Flowers

How to Protect Your Wedding Dress

How to Protect Your Wedding Cake

How to Prevent Wedding Crashers

Benefits of Hiring a Wedding Planner

CITATIONS:

Topics: wedding insurance

How to Protect Your Wedding Dress

Posted by Grant Patten on Jun 11, 2019 8:46:15 AM

How to Protect Your Wedding Dress

The Wedding Dress

We at Front Row Insurance know that the wedding dress (or bridal gown, or wedding gown) is usually a fairly significant investment for the bride, so it would be wise to also think about how to protect that investment. In this article, we’ll review some of the interesting history behind the wedding dress, we’ll take a look at some examples of amazing wedding dresses and we’ll conclude with some helpful tips on how to best protect your wedding dress – both before and after your wedding.

The Wedding Dress – An Intriguing History

Have you ever thought – why a dress? And why, for that matter, a white dress? In many societies the colour white has long been associated with purity and virtue, and that is one reason why brides choose to wear white, especially in the West. But in other cultures such as in India, for example, their wedding dress is usually a reddish tone because in Hindu thought, red is considered an auspicious colour.

For most of history, brides rarely purchased a dress specifically for their wedding day, and the dress they wore to their wedding often wasn’t white. Prior to the Victorian era, a bride was often married in any colour dress, even black.

The first documented instance of a princess who wore a white wedding dress for a royal wedding ceremony is that of Philippa of England in 1406, when she married Eric of Pomerania.

White didn’t become a popular wedding dress colour choice until around 1840, after the marriage of Queen Victoria to Albert of Saxe-Coburg. Up until this time, no woman expected to wear her wedding dress only once and never again – this idea would have been absurd even to the rich. More often than not, a woman got married in the best dress she already owned.

Examples of Iconic Wedding Dresses

If you haven’t chosen your wedding dress yet or if you’d just like some inspiration before your big day, take a look at some of these impressive wedding dresses throughout history:

Grace Kelly’s immaculate wedding dress. Grace Kelly and Rainier III, Prince of Monaco, were married April 19, 1956, in Monaco.

Grace Kelly’s immaculate wedding dress

 

Princess Diana’s giant 25-foot train dress. Princess Diana married Prince Charles on July 29, 1981 in London.

Princess Diana’s giant 25-foot train dress

 

Gwen Stefani's creative wedding dress. Stefani married Gavin Rossdale on September 14, 2002 also in London.

Gwen Stefani's creative wedding dress

 

Amal Clooney’s fashionable wedding dress. Amal married George Clooney on September 27, 2014 in Venice.

Amal Clooney’s fashionable wedding dress

Wedding Dress Protection Tips – Before & During the Wedding

Let’s now look at some tips on how to best ensure that your dress is kept in great condition before and during your wedding:

  • Get a garment bag: make sure your dressmaker provides you with a waterproof bag when you pick up your dress.
  • If transporting your dress by car, consider packaging it in a box. Use rolled tissue paper (or something else cylindrical) in the dress folds to avoid creasing.
  • As soon as you get your dress, hang it up in a cool, dry place, ideally on a padded hanger.
  • Steam your dress only if the dress needs it and the fabric can handle it. Ask your dressmaker to confirm.
  • Polish nails at least a day before your wedding. Nail polish on a silk garment can damage the fabric permanently.Bridal petticoat
  • Apply any perfume or hairspray before putting on your dress, as the mist from such products may cause stains.
  • Carefully step into your dress and have your bridesmaids put your shoes on for you.
  • If you’re at an outdoor wedding, protect the bottom of your dress by purchasing a bridal petticoat to gently lift the hem off the ground.
  • In case it rains on your wedding day and you still want to take photos outside, have some parasols on hand and bring a groundsheet to place on wet ground to stand on.

Wedding Dress Preservation Tips – After the Wedding

Assuming your dress survived your wedding day unscathed, don’t forget that there are still additional steps to be taken to properly preserve the dress:

  • Always use white cotton gloves when handling a wedding dress.
  • Lay the dress flat (or hang it properly by loops inside the dress that are connected to sturdy side seams).
  • Bring your dress for cleaning & preservation ASAP after your wedding day. Look for a wedding dress cleaning & preservation expert AKA a “preservationist”. You could also consider purchasing a “wedding dress preservation kit”, which usually includes cleaning & stain removal and an anti-yellowing treatment.
  • Wrap your dress in acid-free paper, then place it in an acid-free or pH-neutral box.
  • To protect your wedding dress from moths and other harmful elements, you can seal it in an airtight container, box it OR bag it. Each option has its pros & cons:
    • Sealing the dress protects it from oxygen, but makes inspection difficult.
    • Boxed dress preservation is perhaps less secure, but allows for periodic refolding of the dress to prevent it from getting creases.
    • Bagging & hanging the dress is the least secure, but keeps the dress protected from dust & light. The dress remains unfolded, so creasing risks are reduced.

How to Buy Wedding Liability Insurance

Adding a Wedding Enhancement Package onto your Front Row Wedding Liability Insurance policy will provide coverage for up to the amount stated on the binder of insurance issued online, if any wedding attire is lost or damaged within 48 hours before or after the wedding whilst in the Insured’s possession.

The Insurer will cover the reinstatement or replacement of the wedding attire or dress hire charges that are necessarily incurred by the Insured. Policies starting at $105.

RELATED LINKS:

Wedding Insurance 101 & How to Protect Your Wedding Investments

Wedding Insurance: what is it?

4 Reasons to Buy Online Insurance for Weddings

Wedding Insurance Cost: Less than You Think

Renting out your church, mosque or other place of worship?

Keep your Backyard Wedding on a Budget

Planning a Wedding at Home?

Wedding Ring Insurance

Disaster on Your Wedding Day?

Planning a Bridal Shower?

Baby Shower Insurance

Host Liquor Liability Insurance

How to Prevent Wedding Gift Theft

6 Tips to Protect Wedding Flowers

How to Protect Your Wedding Dress

How to Protect Your Wedding Cake

How to Prevent Wedding Crashers

Benefits of Hiring a Wedding Planner

CITATIONS:

Topics: wedding insurance

How to Prevent Wedding Crashers

Posted by Grant Patten on Jun 5, 2019 7:04:45 AM

How to Prevent Wedding Crashers

How to Prevent Wedding Crashers

Wedding crashing is the act of attending a wedding celebration without an invitation, particularly when the crashers who show up have a significant impact on the event. This concept was popularized in the 2005 movie Wedding Crashers starring Owen Wilson & Vince Vaughn; however, when wedding crashing happens in real life, it is usually no laughing matter, as you’ll see in the examples below.                                        

In this post, we’ll explain some of the most common motivations behind wedding crashing, we’ll provide some examples of real-world wedding crashing incidents and we’ll wrap up with 7 tips that you can hopefully use to prevent wedding crashing from happening at your wedding.

Motivations for Wedding Crashing

It’s useful to understand some of the many motivations behind wedding crashing so that you can be better prepared and know what to expect. Wedding crashers are most often looking…

  • To steal money or gifts from the bride, groom, or guests.
  • To witness a person they know, such as a relative, friend, or ex get married, even if they were not invited.
  • For something that is offered at the event, such as free catered food or drinks. Some who crash do so only to eat the hors d'oeuvres. Crashing only for the hors d'oeuvres enables the crasher to eat all s/he wants while blending in.
  • For the simple thrill of deviating from social mores & etiquette or defying the culture.
  • To get revenge, such as if the bride or groom is an enemy of the wedding crasher.
  • To attempt to “win back” the bride/groom who was a former lover and/or current romantic interest of the crasher (such as in The Graduate, starring Dustin Hoffman).

via GIPHY

Examples of Wedding Crashing Incidents

It’s important to understand that wedding crashing isn’t always fun & innocent, like in the famous 2005 comedy – it often leads to major thefts occurring. For this reason, wedding crashers should be identified and ejected from weddings as expeditiously as possible. Below are some real-life examples of why you should have a zero-tolerance policy for wedding crashers:

In February 2019, KTLA reported that a well-dressed wedding crasher stole a card box filled with cash gifts worth an estimated $10,000 from a Monrovia, California-area wedding.

In October 2018, Erie News Now reported that a woman walked into a wedding reception in Erie, PA, and stole the couple’s wedding card gift box. Before the theft, the woman spoke to several people inside the reception and made herself appear as though she belonged there.

In September 2018, a serial wedding crasher from Eugene, Oregon pleaded guilty to felony charges of aggravated first-degree theft. Brian Keith Starr stole $18,737 worth of items from five Oregon-area weddings that year.

In July 2014, in Norristown, PA, another serial wedding crasher was sentenced to 4 to 8 years in prison. Joseph Patrick Franzone Jr. stole an estimated $15,000 in cash gifts from multiple Pennsylvania-area weddings. Franzone also stole items of sentimental value and precious moments that can never be replaced.

None of the above examples indicate that the married couple had a wedding liability insurance policy in place, but it certainly would have been advisable to have one, in all cases.

7 Tips for Preventing Wedding Crashers

Let’s now review some of the main things to keep in mind in order to prevent crashers from successfully infiltrating your wedding:

  1. Widespread awareness is the key to swiftly identifying and ejecting wedding crashers. Share an article such as this one with your friends, bridesmaids and/or relatives so they’re all at least aware of the wedding crashing risk and know to keep an eye out for anyone suspicious.
  2. Do assigned tables and a guest list, so you know right away who doesn’t belong, e.g., setup a table at the door with a hostess or doorman where guests will provide their name and then be assigned to their table. If they're not on the list, they don't get in. OR ask all guests to carry their wedding invitation with them.
  3. Relatives of the couple should actively identify guests they don’t recognize and strike up conversations with them. Ask how they know the bride/groom and other questions and if the person struggles to come up with some answers, they’re probably a crasher.
  4. Don't post exactly when and where you're getting married online. OR make your wedding website password protected, including the password on the “Save the Date” or similar deliverable that you mail out to invited guests.
  5. Often, crashers will be “accidental”… they may accidentally walk in, looking confused and slowly creep toward the bar to see if it’s an open one. Inform the venue bartender(s) to be suspicious of such people.
  6. Don't get married in a venue with multiple reception spaces. The more reception spaces there are at your wedding venue, the more likely it is that other party guests will knowingly or unknowingly wander into your wedding area. For this same reason, also don't have your reception in a venue with a restaurant attached.
  7. If it is possible to hold a smaller wedding reception with fewer guests, then that should also reduce the likelihood of wedding crashing and theft, as it will be much easier to notice wedding crashers and kick them out.

How to Buy Wedding Liability Insurance

Of course, we at Front Row hope your wedding gifts don’t get stolen but in case they do, having a wedding insurance policy in place would make the incident at least a little more manageable.

Under Front Row’s Wedding Liability Insurance policy, coverage can be included for the wedding presents for loss or damage up to 7 days prior to the wedding date and up to 24 hours after the reception. Policies starting at $105.

RELATED LINKS:

Wedding Insurance 101 & How to Protect Your Wedding Investments

Wedding Insurance: what is it?

4 Reasons to Buy Online Insurance for Weddings

Wedding Insurance Cost: Less than You Think

Renting out your church, mosque or other place of worship?

Keep your Backyard Wedding on a Budget

Planning a Wedding at Home?

Wedding Ring Insurance

Disaster on Your Wedding Day?

Planning a Bridal Shower?

Baby Shower Insurance

Host Liquor Liability Insurance

How to Prevent Wedding Gift Theft

6 Tips to Protect Wedding Flowers

How to Protect Your Wedding Dress

How to Protect Your Wedding Cake

How to Prevent Wedding Crashers

Benefits of Hiring a Wedding Planner

CITATIONS:

Topics: wedding insurance, insurance for wedding

How to Prevent Wedding Gift Theft

Posted by Grant Patten on Jun 3, 2019 10:39:57 AM

Wedding Gift Theft

Wedding Gift Theft

As much as we don’t want to think about such things on the “big day” of our wedding, the fact remains that there are people in this world who do bad things such as steal gifts from weddings. At Front Row Insurance, we’re interested in helping you prevent such an unfortunate occurrence from happening at your wedding. In this post, we’ve provided some examples of real-world wedding gift thefts just to set your awareness levels high, as well as tips & tricks on how to prevent thefts at your wedding.

Examples of Wedding Gift Theft Incidents

It’s easier to understand that wedding gift theft is a very real threat by highlighting some specific examples of such unfortunate incidents occurring. Below are some:

In April 2019, a couple in St. Peters, Missouri had a gift card box with about $2,800 cash in it stolen from their wedding. Like many couples, they had included a gift table with a box on it for people to place cards and money inside.

In September 2018, a serial wedding-gift thief from Eugene, Oregon pleaded guilty to felony charges of aggravated first-degree theft. Brian Keith Starr stole $18,737 worth of items from five Oregon-area weddings that year.

In January 2018, a thief was caught on camera stealing and running away with a gift box from a Rosemead, California-area wedding. The gift box was estimated to contain about $20,000.

via GIPHY

In October 2016, a young couple in Buffalo, New York had about 30 cards containing cash and gifts stolen from their wedding reception. The couple had included a gift table with a box on it for attendees to place cards in.

None of the above examples indicate that the married couple had a wedding liability insurance policy in place, but it certainly would have been advisable to have one, in all cases.

Wedding Gift Theft Prevention Tips

Let’s start with some general tips on preventing wedding gift theft:

  • Hire a wedding planner to help you come up with a good plan ahead of time. If you’ve got a wedding planner, then he or she will know who is moving the gifts and best practices regarding where the gifts should be at all times.
  • Make use of a bridal or wedding registry, which assists engaged couples in the communication of gift preferences to guests. You could let the registry know that you prefer to have gifts mailed to your home rather than brought to the wedding at all.
  • Assign a gift table attendant OR have multiple family members take on rotating “gift table watch shifts”. The attendant can “keep an eye on the goods” and also periodically empty the card box if and when it becomes full. Of course, they should be emptying the cards into a secure, private location, e.g., a locked room or safe.
  • If your reception is large (>150 people) and the site is in a high-traffic area, consider hiring security, both to prevent theft and to quash other potential rowdiness. Alternatively, if it is possible to hold a smaller reception with fewer guests, then that should also reduce the likelihood of theft.
  • Pick a wedding venue that is covered by surveillance cameras and clearly state in signage that the area is covered by CCTV. This of course doesn’t necessarily prevent theft from occurring, but it can at least help with deterrence and after-the-fact investigations.

How to Prevent Wedding Gift Card & Card Box Theft

As many wedding thefts seem to be gift cards and/or card boxes, a section with tips specifically on preventing this kind of theft is warranted:

  • Wedding Gift Card & Card Box TheftUse a wedding card box but secure it properly. Don’t just leave the box sitting unsecured on a gift table. Lock the box to the table and, of course, lock the box door.
  • Place the card box in an area that is far away from entrance/exit doors. This will make it more difficult for someone to grab the box and run off.
  • After dinner, remove the card box from the gift table and transport it to a more secure location (once cake has been served, most guests have added their card/gift/money to the box – no need to let it sit out there).
  • Inform guests that you’d be happy to accept digital gift cards instead of physical cards, if that is something they’d like to consider. This eliminates the threat of physical property theft altogether.

How to Buy Wedding Liability Insurance

Of course, we at Front Row hope your wedding gifts don’t get stolen but in case they do, having a wedding insurance policy in place would make the incident at least a little more manageable.

Under Front Row’s Wedding Liability Insurance policy, coverage can be included for the wedding presents for loss or damage up to 7 days prior to the wedding date and up to 24 hours after the reception. Policies starting at $105.

RELATED LINKS:

Wedding Insurance 101 & How to Protect Your Wedding Investments

Wedding Insurance: what is it?

4 Reasons to Buy Online Insurance for Weddings

Wedding Insurance Cost: Less than You Think

Renting out your church, mosque or other place of worship?

Keep your Backyard Wedding on a Budget

Planning a Wedding at Home?

Wedding Ring Insurance

Disaster on Your Wedding Day?

Planning a Bridal Shower?

Baby Shower Insurance

Host Liquor Liability Insurance

How to Prevent Wedding Gift Theft

6 Tips to Protect Wedding Flowers

How to Protect Your Wedding Dress

How to Protect Your Wedding Cake

How to Prevent Wedding Crashers

Benefits of Hiring a Wedding Planner

CITATIONS:

Topics: wedding insurance, wedding insurance quote

Wedding Insurance: What is it?

Posted by David Hamilton on Jul 26, 2018 10:20:34 AM

Rings, blog post

Special event wedding insurance protects a couple if they are sued as a result of a mishap at their wedding that injures a guest or damages the venue. It also covers lost rings, presents, gowns but does not cover the missing best man.

Why Get Wedding Insurance?

Yikes:

  • Alex and Robin spend months planning their summer wedding on a relatives farm. On the big day a forest fire blocked access to the farm. With the right wedding insurance policy, the couple can postpone their wedding and receive the money they lost (less the deductible)—including money for the invitations, wedding cake, food, rented dresses and suits and non-refundable deposits for the band, flowers and other suppliers.
  • The ring is stolen from the truck of the best man’s car. Special event wedding insurance will pay for a replacement.
  • Right before walking down the aisle, the marquee tent is buffeted by wind and comes loose from its moorings and injures guests and destroys the buffet. The wedding insurance policy will provide the wedding couple with a lawyer to defend the resulting lawsuits from friends and relatives and the policy will also pay for the judgement amounts and will pay for the food and destroyed catering tables.

How Much Does Wedding Insurance Cost?

A basic one day wedding insurance policy that covers: attire, presents, deposits and venue liability usually costs anywhere between $130 and $350, depending on the amount of coverage you want.

Get a Free Online Quote Now

Do You Really Need Wedding Insurance?

If you cannot afford the costs associated with a lawsuit then it is smart to transfer the risks of your wedding to an insurance policy. The cost of one day event insurance for a wedding is usually 1% or less than the cost of your wedding budget. Often the venue will not allow you access until you prove you have short term venue liability. The venue may also want to see evidence of venue alcohol liability.

When Should You Get Wedding Insurance?

As soon as you start your wedding checklist. Let's say you put a deposit on your wedding venue months in advance of your wedding date and then it is damaged in a windstorm a month before the big day. With online wedding insurance, you'll receive your deposit back.

What Does Wedding Insurance Cover?

Check our online site to learn all the ways you will be protected.

Wedding Insurance Doesn't Cover...

  • A change of heart.
  • Unused alcohol
  • Photos or video or food that was not as good as you were expecting

Cheap event insurance is available for your wedding online with no need to talk to an insurance broker. Get a free wedding insurance quote in 3 minutes.

Get a Free Online Quote Now

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides wedding insurance for the lowest possible cost. Should a claim occur, Front Row ensures that business rental insurance client receives the money they are owed per the office insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.

RELATED LINKS:

Wedding Insurance 101 & How to Protect Your Wedding Investments

Wedding Insurance: what is it?

4 Reasons to Buy Online Insurance for Weddings

Wedding Insurance Cost: Less than You Think

Renting out your church, mosque or other place of worship?

Keep your Backyard Wedding on a Budget

Planning a Wedding at Home?

Wedding Ring Insurance

Disaster on Your Wedding Day?

Planning a Bridal Shower?

Baby Shower Insurance

Host Liquor Liability Insurance

How to Prevent Wedding Gift Theft

6 Tips to Protect Wedding Flowers

How to Protect Your Wedding Dress

How to Protect Your Wedding Cake

How to Prevent Wedding Crashers

Benefits of Hiring a Wedding Planner

Topics: Special Event Insurance, wedding insurance, short term venue liability, cheap event insurance, venue alcohol liability, wedding insurance policy, one day event insurance for a wedding, wedding insurance quote, one day wedding insurance, wedding budget, wedding checklist, online wedding insurance

Keep your backyard wedding on budget with the click of a button.

Posted by David Hamilton on May 22, 2018 9:54:37 AM

Online Wedding Insurance

When you picture your perfect backyard wedding, what do you see? A hug from your mom just before you walk outside; lanterns glowing on the pathways; saying “I do” in the garden you grew up in? Cutting the cake your best friend made for you, and watching the stars come out as candlelight flickers across the faces of your friends and family? Having a wedding at home is a beautiful way to keep your celebration intimate and meaningful, not to mention a smart strategy for keeping your budget in balance on the big day. No matter what your perfect at-home wedding looks like: don’t forget to insure it.

Wedding insurance is easy to get - it takes about 10 minutes online and starts at $105 - and it’s a reliable way to cover yourself (or your parents, if they’re hosting for you) so that your wedding doesn’t include some unwelcome hidden costs. Here are some of the situations that we see commonly come up with home weddings. These are what you’ll want coverage for:

 

    • Vendor fails: if your vendor doesn’t show, you could be short a wedding cake, a photographer, catering or music. We’ve written before about weddings where the cake’s been unable to get there due to floods or forest fires closing roads - it’s sadly not uncommon during BC’s summer months but a vendor no show can represent some of the biggest costs associated with your wedding- especially in the case of entertainment or catering.
    • Rescheduling the wedding (or honeymoon): It takes a lot to reschedule a wedding, but if a loved one gets sick or a bad storm hits, it’s worth it to know you can reschedule risk-free.
    • Rented clothes ruined: Wine spills happen. Don’t let them cost you.
    • Guest gets hurt: If someone slips on the dance floor and breaks their ankle, wedding insurance protects everyone. This last one’s really important, because injuries like this can make a big difference to someone’s livelihood. Spilled wine that you didn’t clean up off the dancefloor could end up costing $15,000 or more if your guest’s out of work for a while. Insurance coverage means you don’t need to worry about this all too common scenario.

 

While homeowner’s insurance sometimes covers some of these unexpected costs, you’ll want to read the fine print carefully. In our experience, it’s well worth it to purchase wedding insurance and make sure you’re fully covered. You can buy ours online in about 3 minutes here.

Topics: wedding insurance, insurance for wedding venue, insurance for wedding, wedding liability insurance, wedding insurance cost, insurance for wedding rings, wedding ring insurance

Disaster on your wedding day? It's more common than you think

Posted by David Hamilton on May 10, 2018 3:01:30 PM

Unforgettable wedding day horror stories and how to keep your day from becoming a disaster!

As insurance providers, we think about disasters a lot - so that you don’t have to live them.

Here, we've gathered some of the most unforgettable Canadian wedding day horror stories: not only do they showcase how true love always triumphs, they’re a good reminder that there are some things you just can't predict -- and that's why there's wedding insurance.

Read on for some unforgettable wedding day disasters - and then let us make sure you’re covered for anything on your big day with our wedding insurance packages, starting at $105.

Online Wedding Insurance

Forest Fire Wedding:

During the epic forest fires that raged across BC in 2017, one 100 Mile House, BC, couple found themselves racing the blaze for their wedding. Their wedding cake provider was unable to get to the wedding, and their venue was put on evacuation alert. But, as their friend and wedding photographer Liz of One Blue Fish Photography recounted: “This wedding was happening come hell or forest fire.” It wasn’t the wedding the couple was dreaming of, but seeing their community pull together despite the fires was inspiring. “The amazing love and support that these two received will always stay with me.” said Liz.

 

DYK: Losing a wedding cake can cost you anywhere from $500 to $2000 or more - and cancelling your whole wedding without insurance could potentially set you back the entire cost of your wedding.

 

Stormy weather:

Jay and Quandra Werner’s wedding venue was destroyed by a windstorm so bad it made headlines. Tents were tossed by the wind, and a cameraman was taken to Vancouver General Hospital with a broken wrist. “I was ready to just run away,” said the groom. “I said the wedding's off. I just I can't, it's gone. It’s completely gone. It's pretty upsetting to see nine months of work gone in just 60 seconds.” After he tried to call off the wedding twice (and his bride put it back on again, twice) something magical happened - members of the Burrard Inlet Yacht Club pulled together to make their vows happen despite the destroyed venue. Aww.

 

DYK: Cancelling a wedding can cost you anywhere from $10,000 and up, depending on your vendors...and without wedding liability insurance, any injuries that may happen (on the dance floor or otherwise) that prevent a person from earning their livelihood can create even more financial trouble.

 

Priest MIA

“The priest was in fine form and we looked forward to seeing him two days later on our big day,” Marie Fraser wrote to Global BC. “Except that, well, he didn’t show up. Catholic Priest M.I.A.” The wedding party scoured White Rock, BC for anyone who could marry the happy couple. In the end, a Pentecostal preacher was located at his home, and he kindly agreed to facilitate the couples’ vows...still wearing his gardening gear.

 

DYK: In BC, a marriage officiant starts at $80, and they’re expected to charge additional fees for travel, extra hours and other costs. The couple getting married is responsible for any additional costs incurred by last minute changes...so an MIA officiant can add substantially to your costs.

 

Rained out:

BC bride Jessica Turner described what it was like to get married during the worst storm in 2003 to Global BC. “We got married on the 100-year storm and no one was able to get there,” she explained. When a nearby bridge washed out, the wedding cake provider, the photographer, her husband’s family and the father of the bride were all left stranded. “It was a quiet, quick ceremony to say the least…” remembered Jessica. “I was trying my best to keep it together and only cried periodically throughout the day."

 

DYK: Losing a wedding cake can cost you anywhere from $500 to $2000 or more - as for losing the chance to have your loved ones at your wedding - that’s a cost we can’t estimate.

 

If these stories keep you up at night, check out our wedding insurance plans! We cover your big day against disaster, including scenarios like service providers going MIA, or destroyed property. It’s easy and fast to purchase online here - and if you enter the code CANADAWEDDING, we’ll take $50 off your policy.

Topics: wedding insurance, insurance for wedding venue, insurance for wedding, wedding liability insurance, Wedding insurance Costs, wedding insurance cost, insurance for wedding rings

Wedding Insurance Has Your Big Day Covered: What does it cost?

Posted by David Hamilton on Mar 12, 2018 12:30:25 PM

Check out this article published by GLOBE NEWSWIRE featuring our Online Event Liability Insurance Package.

View the Article Here

BrideCrying.jpg

 

Planning a wedding? You’ve got a lot on your plate. Let us help you check one item off your list in 3 minutes: wedding insurance to cover everything you might worry about on your big day! 

Our Online Event Insurance Package is easy to purchase online.

Up to $5,000,000 in General Liability Coverage to cover damage to your rented venue.

Optional coverage available for: rental of furniture, sound and lighting, Event Cancellation and more!

Insuring with Front Row is simple and easy: 3 minutes and a few clicks will protect your wedding.

 

Get a Quote

 

Topics: wedding insurance, insurance for wedding venue, wedding liability insurance, wedding insurance cost, insurance for wedding rings