One week before her summertime wedding day, Erin's dream day became every bride's worst nightmare. Everything from the dress to the cake was all set to go, but the venue itself was now a no-go. Luckily, another venue was free, but she had to take out extra money that they were hoping to keep.
While you might not be able to prevent the unexpected, you can protect you and your piggy bank by taking some extra steps when planning ahead.
Take it from Personal Account Administrator and Bride-to-Be, Kaitlin Dale - a lot goes into planning a wedding and to help your day go without a hitch, she has some tips you should consider before saying "I do".
Summertime is the best time. Backyard weddings, company BBQs, lobster boils, to cabin parties all sound dandy, but hurricanes, illnesses, and no-shows can ruin any big day.
Well, things don't always go according to plan, so it doesn't hurt to be extra protected in case things do go south. But we'll let you be the judge of that, and offer a few insurance considerations to think about.
1 ) RDFing Your Big Day
Let's be honest, the risk of getting rained out are pretty obvious for anyone planning an outdoor event in Newfoundland. However, Mother Nature can dampen some spirits in other ways too.
- Newfoundland's infamous fog prevents you or your wedding party from traveling to your destination wedding.
- Hurricanes cause damage to your venue a week before the event, forcing you to reschedule
Nevertheless, getting Special Event Insurance can offer you protection in the event you have to reschedule your party as a result of severe weather.
2 ) The Dreaded No Shows
You booked the sound system, the caterer, photographer, and the band before the event. But what if one bails or falls ill? Believe it or not, vendor and venue related problems are the largest causes of event mishaps.
Rather than lose your deposit and incur possible expenses, special event insurance has you covered and you could get reimbursed.
3 ) Fancy a Cocktail?
It's a sobering fact, but anyone injured by a drunk driver has the right to sue the host of the party who served alcohol... seriously. Whether you decide to host a big or small event and choose to serve alcohol, opting for Host Liquor Liability Insurance should be on the to-do list.
It'll protect you from expenses in the event someone has a little too much to drink and causes costly damage to a property or person. There are several things you can do that will reduce your exposure...
- Serve plenty of food & non alcoholic drinks throughout the party
- Open Bar may sound like a time, but serving bottomless drinks to guests could make things get out of hand. Stick to a limited number of drink tickets per guest, and offer taxi vouchers.
Accident Can Happen Anytime, Anywhere
Even if you planned every detail of your wedding or big event, and can't imagine anything going wrong ... accidents could happen. It can happen to anyone, at anytime - so if you're getting ready to celebrate without any back-up plan, give us a call and we'll make sure you'll have a happily ever after.