Wedding Insurance
This Wedding
insurance is a package type insurance policy specifically designed to insure the financial loss exposures of a wedding and is the only policy available within in the
U.S.A. which will provide cancellation coverage for a “Change of Heart”, also known as “Cold Feet”. This special insurance policy has 11 coverage options available for selection on an ala
carte basis and can be customized to properly insure a wedding of any size. Of the 11 coverage options, Personal Liability, is able to insure the liability exposure of the rehearsal, rehearsal
dinner, wedding and reception all for one price and all on one policy, even if these 4 events are weeks apart. The policy holder pays only for the options selected and is not forced to purchase
unnecessary coverage options nor multiple policies.
In addition to insuring a wedding, Wedding Insurance
is also able to insure the financial
loss exposures of similar types of private events such as a birthday, Bar Mitzvah, Bat Mitzvah, engagement party or anniversary party, all of which can have the same financial exposure to loss
as a wedding.
Wedding Insurance has the following coverage options, all designed to insure a specific
exposure to financial loss present when creating and hosting a wedding or other private special event:
Wedding Cancellation
Wedding Additional Expense
Wedding Photographs and Video
Wedding Gifts and others pertaining to Wedding: Loss of Deposits, Rented Property, Professional Counseling, Special Attire, Jewelry, Personal Liability, Medical Payments.
This Wedding Insurance was created by and is administered exclusively
by R.V. Nuccio & Associates Insurance Brokers, Inc. It is available in all 50 states and is backed by the Fireman’s Fund
Insurance Company, one of our Nation’s oldest and most respected insurance companies. Fireman’s Fund is owned and backed by Allianz AG, the fourth largest financial institution in the world.
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Function Assurance
A advent is usually defined as a function of short duration or an function that is not permanently ongoing. A function may last only one day, such as a birthday or a piano recital, or a function
may last a month or more such as a county fair or a Christmas tree sales lot. The defining factor is that a function is not set in a permanent location and a function does not continue
for an indefinite period of time such as a continuing operation or long term business. There are approximately 350 different types of functions currently defined, with the list constantly
under revision and growing.
What is Function Liability Insurance?
Function Liability Insurance is an insurance policy specifically designed to insure the legal liability exposures of a function. This type of function insurance policy is generally termed
a Commercial General Liability policy or a Comprehensive Personal Liability policy. Both of these function Liability insurance policies provide civil legal liability coverage for allegations
of bodily injury and property damage. This type of function Liability insurance is oftentimes required by the venue, or the location where the function is to take place.
Why does the Venue require Function Liability Assurance?
It is not uncommon for the function venue to require proof of Function Liability Assurance from the function holder. This proof of function Liability Assurance is usually known as a Certificate
of Assurance. This Certificate of Assurance is nothing more than a piece of paper showing that the person holding the function has purchased function Liability Assurance with the required
liability limit, which is usually $1,000,000. This assurance requirement forced upon the function holder by the venue owner/operator is an assurance risk management technique known as risk
transfer, which is a form of loss control. The venue owner/operator desires to push or share as much of the potential liability to the function holder as possible. In many cases, the venue
owner/operator will also require that the function holder name the venue as an Additional Assured on this required function Assurance policy. The Additional Assured requirement confers
certain protection to the venue owner/operator from the function policy. The owner of the venue is attempting to shield the venue annual assurance policy by placing the function assurance
policy in front.
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