Wedding and Event Insurance

ellis ranch couple

With the recent flooding in Larimer County and specifically Loveland Colorado, many homes and businesses were destroyed and lives were lost.  When a person or a business goes thru this kind of tragic event it really makes one think.

As a business owner we were put on mandatory evacuation.  We lost access to our business, lost power, gas, and phone.  We were forced to cancel three weddings over the weekend of September 13, 14, 15, 2013.   This was of course a very emotional time for us and for the wedding parties.  We felt terrible having to cancel those weddings.   We love hosting weddings.  This type of “Act of God”  made us realize how imperative that research be done on wedding/event insurance.

We have always been huge advocates of brides purchasing wedding insurance.  We have a paragraph in our contract which goes over this coverage and its importance.  It is now very apparent since recent national disasters “floods and fires in Colorado”, that couples and their parents take out this insurance.  If you were to spend $25,000 on a new car you would immediately insure that vehicle.  You should take insuring the wedding of your children just as seriously.

When you have wedding/event insurance you can lesson your worries about extreme weather and “Act of God” circumstances as well as no show vendors, alcohol related accidents and even a change of heart.  It is easy and affordable and should be considered a vital part of your event.

What Could Go Wrong:  Information taken from Wed Sure web site.  We found Wed Sure to be a very helpful and informative site.

Top 20 Wedding Mishaps

  1. The caterer, the dress and the band are quite expensive. Wouldn’t it be nice if you didn’t have to kiss those investments goodbye? Once you take a look at these top wedding mishaps, I’m sure you’ll agree that Wedding Insurance is just plain smart.
  2. A tornado rendered the venue uninhabitable.       $35,000
  3. The rings were stolen out of the groom’s home.       $15,352
  4. The seamstress lost the bridal gown. $3,412
  5. The tuxedos were double rented. $2,278
  6. A drunk guest got into an auto accident. $500,000
  7. The photographer’s car was stolen with the camera and wedding photos. $15,000
  8. The reception venue went out of business. $8,500
  9. The DJ went out of business. $1,257
  10. The wedding gifts were stolen at the reception. $12,300
  1. Bridesmaid left a candle burning in the dressing room and the facility caught fire. $150,000
  2. The bride’s father had a heart attack. $50,000
  3. The bride got cold feet. $15,897
  4. The flower girl hid the wedding ring in her princess purse. Scary but not expensive!
  5. The guests got food poisoning. $56,221
  6. The groom’s previously approved military leave was revoked. $32,528
  7. An elderly guest was knocked over and broke both of her hips. $352,000
  8. Only 1/4 of the guests showed due to an ice storm. $43,625
  9. The caterer failed to show. $15,350
  10. The minister failed to show. $8,350

The groom was laid off and the couple could no longer afford the wedding. $6,500

I spent an hour on the phone with a representative with Wed Sure, having them explain how their coverage works.  It is really easy to go online, fill out their application and get a quote.  For $125.00 you can get $5000 coverage and $263.00 you get $25,000 coverage.  With the average cost to host a wedding in Colorado is approximately $25,000 those who had to reschedule or had their wedding canceled would not have needed to worry about if the venue or vendor was going to refund their money.

I can only speak for venues but most wedding venues many have a force mageure clause in their contract that states you will not receive a refund if cancellation is due to a “Act of God”  A party is not liable for failure to perform the party’s obligations if such failure is as a result of Acts of God (including fire, flood, earthquake, storm, hurricane or other natural disaster), war, invasion, act of foreign enemies, hostilities (regardless of whether war is declared), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation, terrorist activities, nationalization, government sanction, blockage, embargo, labor dispute, strike, lockout or interruption or failure of electricity or telephone service.

What a bride, mother of the bride or corporate planner needs to understand that when you sign a contract you are agreeing with the terms of your wedding or event to be held at that location or with another vendor their servic

If you choose to ignore not taking out insurance you should not be surprised you will not get a refund.  As you can see there are numerous companies offering wedding and event insurance.  We would highly recommend that you insure your investment.

Wed Sure  http://www.wedsure.com

Wed Safe  http://www.wedsafe.com

Protect My Wedding  http://www.protectmywedding.com

Market Event Insurance  http://www.marketeventinsurance.com/wedding/

Travelers http://www.travelers.com

The Event Helper http://www.theeventhelper.com

Ellis Ranch Event Center & Wedding Park

2331 Ellis Ranch Lane Loveland, Colorado 80538

970-593-9570