WEDDINGSURANCE

 BARMITZVAHSURANCE CELEBRATIONSURANCE

1.     Cancellation or Postponement

2.     Additional expense

3.     Photographs and Video

4.     Gifts

5.     Rented Property

6.     Special Attire

7.     Jewelry

8.     Personal Liability

9.     Medical Payments

 introduction

    WEDDINGSURANCE, BARMITZVAHSURANCE and CELEBRATIONSURANCE represent a unique and exclusive packaged insurance product specifically designed to protect the financial investment of your wedding or very special private event. When the individuals providing the funding begin to add up the total cost of the event, they will find that it reaches a tidy sum, all of which is at risk should something unexpected happen. Most of the nine coverages are available on an optional basis and can be tailored to meet the financial specifications of your particular wedding or other private event with the one time premium starting at $195 and coverage beginning up to 2 years prior to the wedding or other private event date.

    WEDDINGSURANCE, BARMITZVAHSURANCE and CELEBRATIONSURANCE is underwritten by fireman's Fund, one of our nation's oldest and most respected insurance companies.

Summary of Coverage

Coverage 1 Cancellation Or Postponement

    Cancellation Or Postponement coverage will pay, up to the coverage limit that you select and subject to a $250 deductible, the nonrefundable expenses incurred when the rehearsal, rehearsal dinner, wedding or private event reception or honeymoon, must be canceled or postponed for certain reasons beyond your control (Change of Heart is not covered). These reasons include but are not limited to a sickness or injury to the bride, groom, or for any other private event types, the Honoree (the person(s)) if any, for Whom the event is being held), or anyone essential to the wedding or private event; damage or inaccessibility to the premises where the wedding or private event or related activities are to be held; loss or damage to the bridal gown or other private event special attire; corporate or military foreign posting; and job loss. Also covered ate any weather conditions which prevent the bride, groom, or for other private event type, the honoree, or any relative whose presence at the wedding or private event is essential or, the majority of the guests from reaching the premises where the wedding, private event or reception. is to take place.

    Weather coverage is available only if the policy is purchased 14 or more days from the date of the event. Failure-to-show of the caterer or, the person engaged to perform the ceremony is covered for Cancellation Or Postponement. Closure of the ceremony site or reception site due to financial failure is also covered for cancellation Or postponement.

 

Coverage 2 additional Expense (Included With Cancellation Or Postponement)

    Additional expense coverage will pay up to 25% if the limit that you select for Coverage l cancellation or Postponement for any additional expense necessary to arrange alternative services to avoid a covered cancellation or postponement of the wedding, private event, reception or related event.

 

Coverage 3 Photographs And Video (optional)

    For photographs, the policy will pay, up to the coverage limit that you select and subject to a $250 deductible, to retake photographs if the photographer fails to appear for any reason or, the original negatives are lost damaged, stolen or not properly developed. This coverage will pay the round trip air or auto travel expenses incurred by the bride, the groom, or for other private event types, the Honoree, and their immediate families and attendants, to reassemble for the ceremony pictures to be retaken. It will also pay costs for meals and lodging while traveling, costs to rehire a photographer, costs to rent a premises to stage the ceremony pictures, costs to buy a new wedding cake, costs to buy new flowers and cost to rent necessary wedding or special attire. When the covered loss or damage is to a video tape which was produced by a professional videographer the policy will pay up to $500 to have a video montage or video compilation made of the photographs and other wedding or private event memorabilia. This limit is part of the Photographs And Video coverage limit and is also subject to the deductible.

 

Coverage 4 Gifts (Optional)

    Gifts coverage will pay, up to the coverage limit that you select and subject to a $250 deductible, to repair or replace non- monetary gifts which are lost, stolen or damaged anywhere within the policy territory of the U.S., its territories and possessions, and Canada. A police report is required for stoles gifts.

 

Coverage 5 Rented Property (optional)

    Rented Property coverage will pay, up to the coverage limit that you select and subject to a $500 deductible, to repair or replace rented property for which you are responsible (including tents), used to facilitate the production of the wedding or private event, which is lost stolen or damaged anywhere within the policy territory of the U.S., its territories and possessions, and Canada. A police report is required for stolen rented property A Loss Payee endorsement and Certificate Of insurance may be issued to the Rental dealer at any time upon your request.

 

Coverage 6 special Attire (Optional)

    Special Attire coverage will pay, up to the coverage limit that you select and subject to a $250 deductible, to repair or replace the bridal gown and other special attire, when it is lost stolen or damaged (including financial failure of the bridal store) anywhere within the policy territory of the U.S., its territorial and possessions, and Canada. Special attire includes the clothing and accessories bought or rented and to be worn by the bride, the groom or for other private event types, the Honoree, and their attendants at the wedding or private event ceremony. It does not include watches, jewelry or precious or semi-precious gemstones or pearls (even if attached to clothing), coverage for which may be purchased under the Jewelry section of this policy. A police report is required for stolen special attire; A Loss Payee endorsement and certificate Of Insurance may be issued at any time upon your request for rented special attire.

 

Coverage 7 Jewelry (Optional)

    Jewelry coverage will pay, up to the coverage limit that you select and subject to a $250 deductible, to repair or replace owned, borrowed or rented jewelry for which you are responsible when it is lost, stolen or damaged anywhere within the policy territory of the U.S., its territories and possessions and Canada. A police report is required for stolen jewelry. A Loss Payee endorsement and certificate Of insurance may be issued at any time upon your request for rented jewelry.

 

Coverage 8 Personal liability (Optional)

    Personal Liability coverage (including supplemental defense) will pay up to the coverage limit that you select, toward the sums for which you become legally responsively as the result of bodily injury, personal injury or property damage caused by a covered accident which occurs during the course of a covered event such as the rehearsal, rehearsal dinner, ceremony or reception, Additional Insured endorsements and Certificates Of Insurance may be issued at any time upon your request. Of special importance to you and to the event sites, liability coverage available on this policy which is not available on other liability policies would Include Property Damage Liability (subject to a $500 deductible) for certain property in your care, custody or control. This very exclusive CARE CUSTODY OR CONTROL COVERAGE includes Property Damage Liability resulting from damage to the premise which you hire as the sites where the covered event are to take place.

    Most if not all Homeowners insurance policies and Commercial General Liability policies specifically exclude (do not cover) Property Damage liability to any property in your care, custody or control or, to any property which is occupied or used by you or leased or rented to you. Host liquor liability is included.

 

Coverage 9 Medical payments (Included With Personal liability)

    Medical Payments coverage will pay up to $1,000 of reasonable medical expenses for each person who is injured during the covered events from a cause of loss which would be covered by the personal Liability.

 

IMPORTANT Notes

1. This Coverage summary is only a summary. It is not all inclusive, nor does it alter or waive any of the actual policy language. Questions regarding this summary should be directed to your broker.

2. Any pricing information contained within this booklet is subject to change without notice.

3. The underwriter and/or the program administrator reserve the right to accept or reject any application for insurance.

4. Weather coverage is available only if the policy is purchased 14 or more days from the date of the event.

5. Premium is non-refundable if the policy is canceled within 30 days of the first event.

6. Any person who, with intent to defraud or knowing that he/she is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurgence fraud.