Protect your peace of mind with wedding insurance, buy online.
Special event wedding insurance protects a couple if they are sued as a result of a mishap at their wedding that injures a guest.
The DJ doesn’t show, the caterer gets sick, the photographer has his gear stolen, the gifts go “missing”….there are a lot of scenarios that could impact your big day: why not transfer these risks to insurance? You protect your car when you are driving buy buying insurance – why not your wedding…. and at a much lower cost.
Insurance for weddings typically costs less than 1% of your overall budget.
What if your reception space goes out of business two weeks before your wedding and you lose your deposit? What if you have to cancel or postpone the wedding? Or the venue catches fire when one of the candelabras is knocked over. These are the types of wedding day financial losses that wedding insurance can help to protect.
Front Row online wedding insurance also provides wedding cancellation insurance and other coverage to cover your investment, with an option to add liability insurance in case your guests slip and fall while dancing or are injured in some other way.
Renting out your faith-based venue? Here’s what you need to know about making sure your renters are able to prove to you the insurance protection you deserve.
If you are an administrator of a church, mosque, synagogue or spiritual venue of any kind, chances are you’ve been asked to rent out your venue for special events such as weddings, birthday parties, meetings, yoga classes or workshops.
Renting your venue is a great way to support your organization’s financial needs and goals but it does come with few warnings and precautions. Whether you’re renting out a small meeting room in your facility or the main hall for thousands of guests, having the right insurance protection ensures you are covered for damage or total destruction of your spiritual space.
The most important way to protect your venue is to ensure whoever is renting from you has the right level of insurance. They need to purchase insurance that considers the following:
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. You'll be covered for:
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.
The wedding ceremony in your parent’s back yard was more beautiful than you imagined. Later in the evening, the reception is in full swing when a scream pierces the music on the temporary dance floor. One of your parents work friends – a highly successful yoga instructor– has slipped on some spilled wine and torn all the ligaments in her knee.
She will be in a cast and unable to work for six months. She will not be able to make the $15,000 per month that she has been earning for her classes. She has no disability insurance.
Within weeks of the wedding, a lawyers letter arrives demanding compensation for lost wages due to the hosts negligently failing to clean up the wine hazard on the dance floor. The letter also demands compensation for rehab expenses.
The parents call their homeowners insurance broker only to be told that they needed to take our wedding event insurance in order to be covered. Their homeowners policy will not protect them for a wedding they host at their home. The bride’s parents are now in the awkward position of having to defend themselves from a lawsuit from their friend.
This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many wedding hosts assume they are covered by their homeowners insurance policy when in fact they most likely are not. This messy scenario is easily avoided with inexpensive online wedding insurance.
Hosting a shower for the bride? There are many risks associated with a wedding shower that you may not have thought of:
If you’re planning to have alcohol served at your wedding, then it is important to consider adding host liquor liability insurance onto your event insurance policy. Your guests will hopefully behave like responsible adults at all times, but in the event that alcohol fuels a fight where someone gets injured or something similarly troublesome, host liquor liability insurance will cover you.
In this post, we’ll provide an all-encompassing overview of host liquor liability insurance, including an explanation of why it should be considered for weddings and some helpful tips on how to discourage overdrinking at weddings.
Guests will generally expect liquor to be available at weddings and as soon as you become the “host”, you suddenly have a burden of responsibility to ensure that nothing bad happens as a result of being connected to the supply of that alcohol.
A host liquor liability insurance policy will protect you against losses or damages in case of claims arising from any alcohol-related incidents that might occur at an event such as a wedding. Such “incidents” might include bodily injury or property damage caused by an intoxicated guest who was served liquor at a wedding.
What is the difference between Primary liquor liability coverage and Host liquor liability coverage? The main difference between these coverages is whether or not the individual or company buying the insurance engages in the serving of alcohol as a business.
Example: a bar, pub or restaurant would require primary liquor liability insurance, whereas a couple who only wanted to “cover their bases” during a wedding could get host liquor liability insurance.
What does it mean to be “over-served”? This refers to when a customer is served too much alcohol, placing the liability on the bartender. In the US, there is the “Dram Shop Act,” which makes a business which sells alcohol or a host who serves liquor to a drinker who is obviously already intoxicated, strictly liable to anyone injured by the drunken guest. The best protection against a situation like this occurring at your wedding (aside from doing a dry wedding) is to hire an experienced bartender; they generally know when it is time to refuse someone more drinks.
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, provide some examples of real-world wedding crashing incidents and wrap up with 7 tips that you can hopefully use to prevent wedding crashing from happening at your wedding.
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…
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.
31% of engaged couples seek the help of a wedding planner to assist with their wedding. (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, look at the main benefits of hiring a wedding planner and conclude with some helpful tips on what to look for when hiring a wedding planner.
The 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.
Let’s look at some of the primary benefits of hiring a wedding planner:
Insuring your US Wedding with Front Row Insurance Brokers is a fast and simple process so you feel confident that your big day is protected – you deserve to enjoy it worry free.
Many wedding venues require that you show evidence of wedding liability insurance. Most United States wedding venues do not want to be responsible for injury to your guests and they want you to repair damage to their party venue that you cause.
Protect your wedding investments with wedding insurance.
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