Learn how to protect your: wedding dress, wedding cake, the rented venue, the marquee, wedding flowers, gifts, wedding rings, rented dance floor and more… including your peace of mind.
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.
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. $200 will usually cover: the rings, gifts, wedding dress and bridesmaid dresses, damage to the venue, guest injury and more.
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 due to illness? 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. These are what you’ll want coverage for:
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.
When creating your wedding budget don’t forget to allow for wedding ring insurance on your big day.
Imagine: you ask the best man to look after the $5,000 wedding ring on the day of the wedding. He decides to cut through the field between the parking lot and the banquet hall and casually throws his blazer over his should with the ring in the pocket. Standing at the front of the hall he watches the bride come down the aisle and takes this opportunity to check his pocket for the ring. No ring. Bad enough he has lost the ring for the ceremony but now who pays for the replacement?
This risk can be transferred to insurance. In fact, the whole wedding can be insured for $205 and will include loss or damage to the: ring, wedding attire, gifts, flowers, damage to the venue, injury to your guests, vendor no show and more.
The average cost of a wedding is $30,150: your wedding insurance cost through our online site should be less than 1% of the average wedding budget.
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.
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.
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.
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.
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.
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.
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!
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.
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.
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.
Princess Diana’s giant 25-foot train dress. Princess Diana married Prince Charles on July 29, 1981 in London.
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.
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.
During 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.
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).
Chelsea Clinton & Marc Mezvinsky’s gluten-free wedding cake (wedding 31 July 2010).
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:
Learn how to protect your: wedding dress, wedding cake, the rented venue, the marquee, wedding flowers, gifts, wedding rings, rented dance floor and more… including your peace of mind.