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Peace of Mind: Avoiding the Wedding FAIL


By Guest Blogger: Kyle Paterik of Dow & Associates

A few weeks ago I had the pleasure of attending a client’s wedding and reception at a posh South Pasadena mansion. The event didn’t cut any corners. It offered delicious appetizers, a top shelf open bar, hand rolled Dominican cigars, live music, even celebrities –  oh, and a drunk guest dancing on the roof precariously close to the ledge! My heart, and my client’s, skipped a beat envisioning the treacherous fall and liability claim before the security staff swiftly ushered her off the roof and into a cab. We breathed a collective sigh of relief, remembering that we signed a wedding insurance policy a week earlier. This would have covered my client for up to $4 million in liability and damages… if only there was a rider to repair the embarrassment of finding out the woman on the roof was his aunt.

I find that as many clients prepare for their weddings, they hear about the horror stories that occasionally coincide with the big day yet fail to get an insurance policy to protect against them. Some examples are rain at an outdoor wedding, photographers deleting negatives, lost/damaged/ stolen gifts, wedding rings or rental property, a runaway spouse and, of course, the occasional drunk aunt dancing on the roof (what good party doesn’t include that?!).  The great news is that wedding and private event insurance can be put in place for your wedding and tailored around your particular event. Even better, it’s relatively cheap! Ever try to find the best life insurance rates? Well, finding wedding insurance is no more difficult than that. Plans range from just $95 to $300. When many individuals’ nowadays are spending $20,000 to $50,000 and more on their weddings, doesn’t it make sense to insure that you will be made whole – at least financially speaking – if you hit a few potholes? On top of this, most venues require that you have some form of liability insurance to rent their space (especially if alcohol is served).

There was nothing more gratifying at the end of a great wedding reception than when my client made his way over to me and said, “All I was thinking about when I saw my aunt on that roof was “thank God Kyle helped me get that insurance in place. Thank you, I’ll sleep well tonight!” Find five minutes to contact us or your personal adviser to get a quote for your wedding, and cross one more worry off of your list.


Kyle Paterik is the Senior Consultant at Dow and Associates Insurance Agency, an industry-leading private insurance planning agency with more than 40 years of combined experience.  Kyle believes that it is essential to create a strong foundation and team strategy before walking down the aisle to help sustain a lasting relationship. Dow and Associates aims to inform and educate its newlywed clients as they embark on one of life’s biggest milestones.

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4 Responses to “Peace of Mind: Avoiding the Wedding FAIL”

  1. Wedding Insurance Says:

    I think we’re quite lucky here in the UK that we don’t have to worry about liability in these circumstances. If a guest has had too much to drink, that’s their responsibility and if they hurt/injure themselves, that’s there own fault!

    I’m seeing liquor liability mentioned more and more frequently in US wedding insurance policies and I think it’s probably only a matter of time though before we start seeing it over here in the UK.

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