To Buy or Not to Buy: Wedding/Event Insurance

Welcome Back! It’s been a while since I have written to you. I’m still here but have been observing some disturbing things. As this virus comes and goes couples and their weddings are left in a state of confusion. Some have lost large sums of money due to the closing or cancelation of their venue. Couples are left without the ability to have the wedding of their DREAMs. As a Planner/Consultant, I advise my clients to invest in insurance. Some take advantage of the advice others don’t. Although it is written for planners, I found the following article, by Lindsey Nickel of Lovely Day Strategy for Wedding Planners, to be one of the best and easiest reads I have found. With her permission, I am sharing it with you in its entirety.

Even though engaged couples don’t want to think about the worst-case scenarios for their wedding, the truth is worst-case scenarios do happen. As a wedding planner, it is your job to be informed and help them to protect their wedding investment. 

One year I had a couple that called off their wedding about five months before the wedding date. She had a wedding dress, the venue was booked and the vendors had all received their first payments. They had not purchased their wedding cancellation insurance yet (though not all policies cover “change of heart”), so they were not able to get back any of the money from their vendor and venue deposits. That same year, there was a planned power outage and the power was out at the wedding venue starting three days before the wedding. The father of the bride rented at $10,000 generator. They had wedding insurance and were able to get some, if not all, of that cost, covered.

There are basically two types of wedding insurance: liability insurance and cancellation insurance. Liability insurance helps to protect against financial loss from a wedding accident, damage, or incident. Most venues require clients to have liability insurance for their wedding. Cancellation insurance is for canceling or postponing your wedding. 

Why might a wedding be canceled or postponed:

  • Death (a fellow planner had a groom die suddenly a few months before the wedding)
  • Illness (sudden illness ranging from cancer to shingles can cause a wedding to be canceled or postponed)
  • Injury 
  • Natural disasters such as wildfires, earthquakes or an avalanche. During the 2017 fires in wine country, wedding venues burned down, vendor’s homes and studios burned down.
  • A venue shuts down
  • A vendor closes

Also, consider these scenarios:

  • The bridal shop with your dress burns down, damages or losses your wedding dress
  • Gifts and cards with cash are stolen
  • The groom’s custom tuxedo is lost by the airline on his way to the wedding
  • The photographer loses the film with your wedding photos or the memory cards with your photos are damaged

Basically, wedding insurance provides peace of mind for the unexpected. Like any insurance, you purchase it hoping you will not have to use it.  Be sure to check the contract with the venue to make sure that you are purchasing the correct amount and type of liability insurance. Buy early! The sooner you purchase the insurance the sooner they are covered from a worst-case scenario. Update July 2020: COVID-19 and shelter at home are not typically covered by cancellation insurance, so be sure to ask about those before purchasing. Every wedding and insurance policy is different. Be sure to do research and talk to an insurance provider.

The take away: buy early and purchase both liability and cancellation insurance.

If you have any questions or would like to discuss this further, please don’t hesitate to email us at [email protected]

Financially Surviving Wedding Season as a Guest

Hi Readers!  I must apologize for the delay in publishing.  Since excuses are tools of the incompetent, no excuses will be offered. The following article written by Laura Gariepy, was originally published on PenguinThoughts, provides a different perspective, that of your wedding guests.  Sometimes, I choose to share articles I find or have been shared with me I believe will assist you; no need to reinvent the wheel, this is another one of those articles.  

According to the New York Times, the average wedding guest spends nearly $900 to partake in the festivities. That price tag can make your wallet want to say, “I don’t!” — especially if your wedding season dance card is full.But don’t worry. Charlie knows a bunch of money-saving hacks so you can catch the bouquet without breaking the bank!

Set a Budget and Prioritize

Take a peek at your finances and determine exactly how much you can spend on the occasion without wreaking havoc on your budget. Once you have a figure in mind, it’s time to create a spending plan.

You can stay near the venue in style, rival the bride for beauty, or be the best gift giver ever — but you may not be able to afford to do it all. If that’s the case, you’ll need to make some trade-offs to stay within your set limits. For example, if you want to give a lavish gift, that could mean forgoing the expensive salon visit the morning of the ceremony.

Tip: Charlie can help you plan ahead by starting a new savings goal called “wedding.”

Pool Resources

Try going in on wedding attendance expenses with family and friends. You can split the cost of lodging, transportation, and even the gift. That way, everyone saves some cash and can still fully take part in the experience.

Beautify Yourself (or Find a Deal)

If you’ve got the skills, skip the pricey salon and do your own hair, makeup, and mani-pedi. DIY’ing your beauty regimen will save you some serious cash. (You may even already have the supplies on hand!) Afraid of looking like Elizabeth Holmes? Ask a friend to help paint your face and braid their hair in trade.

If you really want to be pampered, check Groupon to score a deal on the service. You can also reach out to local beauty schools. Often, their students will gussy you up for much less dough than a pro.

Re-wear or Rent Attire

There is zero shame in wearing a killer dress (or suit) twice. So save your wallet and rock that outfit again! You can also raid a friend’s closet to wear something that’s new to you. But — if you must wear something brand new, consider renting your ensemble for a fraction of the price of buying it off the rack.

Make Your Gift

If you’ve got the talent, why not use it to make something heartfelt and budget friendly? Your newlyweds will appreciate the gesture and will likely cherish it over another set of wine glasses.

Here are some ideas to spark your creativity:

  • Sing a song at the reception
  • Make the centerpieces on the dinner tables
  • Offer to photograph the event
  • Create a scrapbook about their relationship
  • Knit a blanket for their couch or bed
  • Paint their new family portrait

Still feeling uninspired? Pinterest has got you covered!

Just Say No

Although it hurts to check “will not attend” on the RSVP card, remember: an invitation to a wedding is a request, not a requirement. Sometimes your wallet just can’t swing it and that’s OK. If that happens, confidently decline with your regrets and send a little (perhaps homemade) gift in your place.

Final Thoughts

Being a wedding guest can be crazy expensive — but it doesn’t have to be. Every element of the experience can be optimized to fit your budget. So go ahead and feel the love while enjoying your fatter bank account.

Tell Us: What’s the most you’ve ever spent as a wedding guest? Was it worth it?
Please note: We don’t have an affiliation with or personally endorse any of the services linked to in this post. We’re just trying to give you some ideas. But,  if you want ideas we are able to give you them, contact us, Dream Event Services, schedule a call or appointment to discuss some ideas.
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Children: Age Appropriate?

Children!  Nothing can change the mood of a wedding more than those little darlings chosen to be the ring bearer and/or flower girls.  In my experience, I have seen them destroy a mood by crying or refusing to go down the aisle or be a comical mess with their interpretation of how they should go down the aisle.  One of the most frequent questions I get from clients is: what is the most appropriate age for a flower girl or ring bearer?  It depends.  There is really no definitive answer to this question. So how do you choose?  Let’s look at it…

Too Young?

Even though your three year old nephew or niece is cute and outgoing.  How will he/she be affected when all of those eyes are looking at him/her walk down the aisle?  Stage fright hits even the strongest of adults.  Yes it is true all they are doing is walking but for some little people it is a walk of death. All of those people staring at them…that’s scary!  Then there are a few, who will relish the stage and upstage everyone and everything.  Drawing attention to themselves, doing things they normally would not do but because the spotlight is on them they take advantage.

Too OLD!

Just like you don’t want a little one who is too young walking down the aisle.  Don’t embarrass a tweenager, especially young ladies, by giving them the honor of being your flower girl.   Young men generally don’t make a big deal out of being a ring bearer.  They are just happy they get to stand up front next to the groom.  There are always exceptions but generally tweenagers (ages 11-14) are NOT interested in “baby” jobs!

My Recommendation

Children participating in the ceremony be at least school age. Preferably in at least first grade.  Why?  Experience.  Maturity. Desire. Tweenagers, on the other hand, should be given the positions of Junior Groomsman/Usher or Junior Bridesmaid/hostess.  Here they still get the spotlight most tweenagers crave, without looking like a baby.  Before you assign these positions to tweenagers I would strongly suggest asking them first, if they would mind being a flower girl/ring bearer or would they prefer being a Junior Bridesmaid/Groomsman.   

 

All in all it is your choice.  Some of my clients like the excitement and drama little people bring.  At times they do make interesting, sometimes hilarious video footage.  Remember, the bottom line is what you want your guests’ take away to be; of that cute kid or the beautiful couple?  Do you want or need assistance creating a beautiful and memorable occasion that includes children?  Contact us at 216-672-5451

Cleveland, OH Event Planner | Dream Weddings & Events, LLC.