Wedding and Other Event Insurance Coverage in Murfreesboro & Nolensville, TN and the Surrounding Areas

Anniversaries, birthday celebrations, graduation parties, and weddings — these are all special events that celebrate important moments in a person’s life. Planning such an event often involves a lot of time, money, and effort, all in the hopes that everything goes as expected.

Special Event Insurance from Middle TN Insurance Group, Inc is designed to provide you with peace of mind and financial protection in the event you have to cancel your special plans due to adverse weather conditions or a natural disaster. Most policies also cover cancellation when serious injury or illness prevents a key participant from attending the event.

Wedding Insurance

Your policy can even help you recover some of the costs if a key vendor of your wedding, such as the caterer, florist, or photographer fails to show up. Additional options for your Special Event Insurance are available and can include coverage for:

• Gowns and tuxedos
• Theft or damage to gifts
• Extended coverage for honeymoon cancellation
• Professional counseling if the cancellation of the event causes severe emotional distress

Most event sites have their own liability insurance; however, if you decide to hold your event at home, you may also want to purchase Liability Coverage that extends beyond your Homeowners policy.

Ensuring that your wedding is protected is an important part of planning for it. Since Special Event Insurance is designed on an individual basis, it is important to discuss your specific insurance needs with a professional. Contact Middle TN Insurance Group, Inc today to learn more.

Weddings are one of the most important events in life — and they're among the most expensive, too, with the average wedding now costing over $26,000. And, that's before the honeymoon, which tends to be another $5,000 all by itself. Given the sheer amount of time, effort, money, and planning that goes into a wedding, it makes sense to protect your funds invested in this event and make sure that unexpected problems don't result in the loss of your entire investment.

Before you begin shopping for wedding insurance, though, there are a few important things to know — like what parts of the event are covered and how liability can come into play.

Here are the parts of a wedding that most policies cover:

• Wedding Venues: While most permanent wedding venues (such as churches) have their own liability coverage, many weddings take place in unusual areas. In fact, about a quarter of all weddings are considered 'destination weddings' and are held in a non-traditional wedding venue. Unfortunately, unforeseen problems like weather, damage to the wedding site, or companies shutting down can make a chosen location inaccessible.
• No-Shows: Most vendors try to show up to every event, but for whatever reason, there are times when they can't make it. One-time event insurance can reimburse you for any losses suffered as a result of their failure to attend.
• Injury and Illness: If someone vital to the wedding — say, the bride — comes down ill or injured just before the event, there's a good chance it's going to be postponed until they're feeling better. Wedding insurance can cover these delays.
• Job and Military Deployment: Similarly, if someone is forced to move (whether they're being deployed overseas as part of the military or simply moving to another city along with their company), delays can occur — and just like with illness and injury, wedding insurance can cover this.

It's important to note that most plans don't cover losses due to either party deciding to cancel the wedding due to a change of heart.

Event Liability Insurance

Weddings should also have basic liability coverage in case anyone is hurt during the event. For example, guests may have allergies to foods or perfumes brought in, or people trying to move a large object as part of the ceremony could trip and fall. The right coverage can ensure that a wedding won't end with the bride and groom facing a lawsuit they'll have to pay out of pocket to defend. Call Middle TN Insurance Group, Inc today for a free quote and more information.

1. "Average Wedding Cost." Average Wedding Cost in the United States. Accessed April 18, 2016. http://www.costofwedding.com/
   
   
2. "How to save on a Caribbean Honeymoon." Accessed April 18, 2016. http://experience.usatoday.com/beach/story/caribbean/2014/06/04/caribbean-value-honeymoon/9970857/
   
   
3. "The Knot, The #1 Wedding Site, Releases 2014 Real Weddings Study Statistics." Accessed April 18, 2016. http://www.prnewswire.com/news-releases/the-knot-the-1-wedding-site-releases-2014-real-weddings-study-statistics-300049675.html

Getting the right permit or license for your business or personal use should not be a hassle. With a variety of different Licensing and Permit options available under one roof, Middle TN Insurance Group, Inc can take care of most of the work for you.

License Services

In addition, our License Services can keep your operations legal and up to date with a range of licensing options for many business establishments, including:

• Massage Therapists
• Home-Based Businesses
• Haul for Hire Services
• Bulk Storage Companies
• Manufacturing and Warehousing Services
• Notary Services

For your convenience, we also offer the signatory services of an authorized Notary during all business hours for notarizing legal documents, including a signing agent for notarizing mortgage and real estate documents.

Find an additional insurance service that is right for your individual or business needs from Middle TN Insurance Group, Inc.