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Have wedding day worries? Protect against mishaps with insurance

Women have often dreamt about their wedding day since they first tried on their mother's dress and slipped their tiny toes into high-heeled shoes. When the time actually comes, brides often discover that there is a lot more to planning a wedding than picking out the dress. Have you ever seen a wedding planner or organized bride's folder that includes all of the details for the big day?

There are a lot of things that can go wrong on the day when the couple finally says "I do." The weather may not cooperate, the flowers might be delivered late, the caterer may make a menu mistake, the vehicle carrying the cake could hit a pot-hole on the way over or the pictures might not turn out. With the cost of all of these details adding up to an average of $25,000 or more per wedding in the United States, people are worrying more and more about the possible cost of a mishap.

Insurance agencies offer up a solution to these worried brides and their families and have been since 1993, when the first wedding insurance policy was issued by Fireman's Fund Insurance Co.

Agents with Travelers offer something called a Wedding Protector Plan that was first introduced in 2007. One mother-of-the-bride opted to purchase the protection of this plan, and when the limo driver never showed up to take the bride to the church, the mom was reimbursed for her deposit. This coverage could have also helped in the event that adverse weather conditions forced a cancellation of the entire event.

As noted above, there are a lot of things that can go wrong at the wedding ceremony or reception, and that is just one day. The marriage that follows the wedding has the possibility of lasting for decades. An entire marriage involves significantly more valuable assets and bigger liabilities. Is there an insurance plan that someone can purchase to provide protection in the event of a divorce?

Travelers, State Farm and Progressive aren't going to offer an insurance plan that covers the marriage, but there is another party that will. A Phoenix family law attorney can help couples draft an insurance plan that works for them -- it just goes by a different name. Prenuptial agreements help couples take back the power over their property in the event of a divorce, instead of letting the courts decide how to separate the details of their life.

Business Insurance, "OFF BEAT: Couples say 'I do' to wedding insurance," Jan. 21, 2014

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