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| Types of Coverage | |
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Cancellation or postponment | Additional Expenses | Photographs and Video | Gifts
Rented Property | Special Attire | Jewlery Personal Liability | Medical Payments 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 then the rehersal, rehersal 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). The reasons include but are not limited to sickness or injury to the bride, groom, or for the 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 activites are to be held; loss or damage to the bridal gown or other private event special attire; corporate foriegn posting; and job loss. Also covered are any weather conditions which prevent the bride, groom, or for other private event types, 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 avilable 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. Additional Expense Additional Expense coverage will pay up to 25% of the limit you select for Cancellation Or Postponement for any additional expenses necessary to arrange alternate services to avoid a covered cancellation or postponement of the wedding, private event, reception, or related event. Photographs and Video For Photographs, the policy will pay, up to the coverage limit that you select and subject to a $250 deductable, to retake photographs if the photographs 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 premisis to stage the ceremony pictures, costs to buy a new wedding cake, costs to buy new flowers, and costs to rent necessary wedding or special attire. When the covered loss or damage is to a video tape which was producced 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. Gifts Gifts coverage will pay for, up to the coverage limit that you select and subject to a $250 deductilbe, to repair or replace any 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 stolen gifts. Rented Property Rented Property 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. Special Attire Special Attire coverage will pay, up to the ilmit that you select and are 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 territories and possessions, and Canada. Special Attire includes the clothing and accessories bought or rented and to be worn by the bride, groom, or for other private event types, the Honoree, and their attendants at the wedding or pirvate 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 arrite. A Loss Payee endorsement and Certificate Of Insurance may be issued at any time upon your request for rented special attire. Jewelry 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. Personal Liability Personal Liability coverage will pay, up to the limit that you select, toward the sums for which you become legally responsible, 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 rehersal, rehersal 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 the event sites, liability coverage avilable 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 premises which you hire as the sites where the covered events 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. Medical Payments 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. |
Licensed in MD, DE, PA, VA & FL Cathell Insurance & Financial Services | catheln@nationwide.com
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2012
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