Protecting Your Big Day!

Congratulations – you (or your partner) said yes! Now comes the excitement of planning your special day. With all the time, effort and money that goes into planning a wedding, you will want to consider how important it is protect that investment. While you never hope to use it – event insurance will provide you with the peace of mind of protection, in the event something happens.

Quite often now, venues are requesting that anyone renting their space have a Special Event Liability Policy in place. This will not only protect the venue, but you and your spouse. While reviewing liability policies, there is coverage for many different scenarios, including but not limited to:

• Cancellation expenses
• Honeymoon cancellation
• Loss of deposit
• Wedding photographs and video
• Loss or damage to bridal attire
• Wedding presents
• Rings
• Cake and flowers
• Wedding stationary
• Rented property

There are a few insurance companies in the market that offer this type of policy for you. Your KIB broker will review the various options for you to compare and help you select the best plan for you. In addition to the items outlined above, the policy would cover you for:

• Liability (i.e. a guest slips, falls and hurts themselves)
• Property damage (i.e. the sparklers on the bridal cake set the venue on fire)
• Liquor liability – Unfortunately it still occurs that people drive after drinking. Should something happen, as the host of the wedding or event, you could be held liable. This coverage will help to protect you in the case of a lawsuit.

As a broker, we encourage anyone who is hosting any type of event (i.e. graduation party, prom, family BBQ/corn roast, wedding reception, birthday party, etc.), to inquire about special event liability insurance. It is a simple thing at minimal cost that can provide that extra layer of protection to your special day and event in case something happens.

As mentioned, if renting a venue for your event, often you will be required to have insurance for the event. That is where we can come in! We work with many different companies that offer different packages and offerings that we can tailor to you and your event. Contact us today to talk about your next event and help it be one to remember!

Scott Sleightholm, CAIB, R.I.B.(Ont.), Vice President, Kenny Insurance Brokers