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]

Emergencies On Your Wedding Day? Be prepared!

Wedding Day emergencies are inevitable. Are you prepared? At Dream Weddings & Events, LLC  having a kit is a mandatory tool; no different from wearing your communication device. After seeing a question in the Facebook Brides Group about what goes into a Wedding Emergency Kit, we knew we needed to share.  Therefore, here is our professional opinion on what we strongly suggest to be in your Wedding Day Emergency Tool kit and in some cases why:

  • Advil, Tylenol
  • Antacid
  • Antihistamine
  • Aspirin- low dose for Heart or Stroke emergencies
  • Barrettes
  • Clear nail polish- stops runs in stockings
  • Cough drops
  • Dental Floss
  • Deodorant travel size (spray)
  • First aid kit  band aids
  • Gum-calms nerves
  • Hair and bobby pins
  • Hair spray
  • Handy wipes (baby wipes or freshen up cloths)
  • Kleenex
  • Lotion
  • Makeup remover pads
  • Masking tape- repairs hems or seams
  • Moisturizing Eye drops
  • Nail polish remover
  • Peppermint or breath mints
  • Pepto-Bismol or Imodium
  • Powder        
  • Safety and straight pins
  • Sewing kit w/neutral colored thread
  • Straw-to avoid smudging lipstick when drinking
  • Sunscreen
  • Tampons/pads
  • Toothbrush & toothpaste
  • Wash cloth

Additional Items

There are additional items found in our emergency kits based on past need.  Some seem crazy, but after the second time of needing an item we have just included them. Consequently, we do not have to send someone to the store.  As a Wedding Planner, here are some additional items that are also in our kits:

  • Anti-Static spray
  • Bottled water
  • Batteries 2 of each kind
  • Cake knife set
  • Chocolate
  • Glucose tabs
  • Extra garter
  • Hair spray
  • Preparation H- reduces puffy UNDER eye swelling
  • Slice of white bread (in a plastic bag to keep fresh) removes fresh lipstick stains   
  • Small bottle of white wine- it removes red wine stains (along with cool water)
  • Vaseline-applied to the teeth makes smiling easier

We know it seems like this list is long; you might need a suitcase just for your emergency kit (that’s how we carry ours),  but take our word for it, to need one of these items and not have it could cause a lot of needless heartache or stress. While traditionally the kit is maintained by your maid or matron of honour; it is part of our service to our clients.  Until next time…….Keep DREAMing

 

If you want to know more or have other questions, feel free to contact Dream Weddings & Events, LLC at 216-672-5451.

 

Bridal Shows- 5 Things You Need

The Bridal Shows are Coming! The Bridal Shows are Coming!  Are you prepared?  Bridal shows are wonderful, exciting, and full of dreams but they are also confusing, repetitive and overwhelming.  These are adjectives used by brides who are unprepared to navigate through the journey called a bridal show.  In my professional opinion and from experience, there are five things you need when attending  bridal shows that will make your journey more pleasant.

  • Stickers with your name, contact information, and wedding date.  You are going to write the same information for just about every Service Provider you meet.  Consequently, having all of this information on a sticker saves you time and effort.
  • A calendar or plan book of your available dates and times.  If you meet your ideal Service Provider you are going to need to know your schedule or availability in order to set a meeting date and time.  Thus saving you time and the possibility of losing your dream Service Provider because someone else booked before you.
  • Comfortable Shoes.  This is NOT the time to wear those cute shoes you just bought..   You will be doing a lot of walking and standing on concrete floors, as most venues that host shows do not have cushioned flooring.  When your feet hurt, it makes for a miserable experience.
  • Patience.  Bridal Shows are notoriously busy places; with stressed out brides all looking for the best deal and best Service Providers.  Sometimes that means you will have to wait in order to speak with that ideal person you want.  In addition to patience….. 
  • Smile.   Your smile coupled with patience, something this simple can make or break your experience.  Smiles generate free thought and infer openness.  Free-thoughts and openness create pleasant conversations.  Pleasant conversations generate feelings of pleasure all of which translate into aiding in your planning being stress-free.  

Need more ideas?  Want help with your planning?  Contact us at [email protected]

Wedding Planning Choices….

He asked. You said yes. You have your ring. What next? Your wedding planning choices…. Most brides or couples today, together with the Internet and their closest friends, choose to plan their own wedding.  Most do a fantastic job.  Frankly, I applaud their planning efforts.  So if that is the case and it’s that easy then why do couples need a Wedding Consultant? It is simple, couples can’t be everywhere.  Couples need to look for a consultant who offers a variety of services to meet the different needs of today’s couples.

For the couple who has the time, energy and patience to plan on their own, I say, go for it.  Personally, for me that is the fun part, which is why I became a consultant.  This couple is still going to need help tying up loose ends and with the little things on the day of the wedding. On that day,  the couple will be busy enough preparing themselves for the ceremony let alone checking on other details such as the flowers or ensuring the reception site is ready as contracted.  Their parents will busy with out of town guests and family consequently, they cannot do it. Their friends tend to get caught up in the excitement and forget they are part of what is happening, instead of watching it.    In swoops the wedding consultant to save everyone’s sanity.  This service is called, Day of or Month Of planning.  Here the consultant is charged with organizing, orchestrating, implementing and the development of a plan and a backup for anything that could possibly go wrong with the rehearsal, ceremony and/or the reception.

For couples who want/need help getting started or guidance along the way, Partial Planning Services would be best.  These couples do most of the work themselves with a planner serving as a consultant, that is making sure the chores involved in planning their big day are completed in a timely fashion, while also assisting the couple stay within their budget. Ideas should flow in both ways.  The consultant has to be able to hear what the couple is saying and be able to translate that idea into a doable service or be honest enough to say this is not going to come out the way you wish and have a workable solution.  Honesty and tact are key to assisting the couple in creating their dream day.  Friends tend to agree with the couple, when in their hearts they hate an idea, for the sake of maintaining their relationship.  Family members tend to disagree with the couple’s ideas.  In my experience, they relate to what they’ve seen or done in the past or would want to do themselves.  The consultant has no bias, consequently (usually) gives sound advice based on input from the couple.

The last kind of wedding planning service is Full Service Planning, is also the most expensive service.  Couples who choose this service are generally very busy or get bogged down when confronted with too many choices.  They only want to know when and where to be, thus, the consultant to does all of the running around, research and then presents the couple with two to three choices in each area of the preparation.  This level of assistance requires open and honest communication between the couple and their consultant. Failure to communicate by either party can end with disastrous results.

The wedding planning choices presented, represent the general levels of services offered by most Wedding Planning services.  There are many more options available depending on your needs.  The difference between a good consultant and a great one is not in what they do but how they do it.  If you have any questions or would like to use our services, do not hesitate to contact us at https://dreameventservices.com.