Saying 'I Do' to Wedding Insurance

By Joan Cary, SPECIAL TO THE TRIBUNE

Jennifer Spencer went into a shop thinking about a wedding dress and came out pondering wedding insurance.

Spencer, of Orland Park, knew the insurance existed but had not really considered buying it until she read the information that insurance agent Ken Riemen had left in the bridal dress shop in downtown Chicago. Spencer was planning a February wedding in St. Thomas.

Although she found the insurance to be directed more toward a conventional wedding, she invested anyway.

"I wish that more people knew about it," said Spencer, now a newlywed. "If you bought a $30,000 or $40,000 car you would absolutely insure it. It makes sense to spend a few hundred to insure your wedding.

"It's so much money you are spending. And the truth is that things don't always run so smoothly. This gives you peace of mind."

Spencer met with Riemen, owner of Marmac Insurance Agency in Homer Glen, an independent agency that sells Travelers Insurance, and was happy when he had the answers to all of her "what if" questions.

"It's been more difficult getting the word out than it has been selling it," said Riemen. "Once people know it exists, it's a no-brainer. It makes sense."

For years, some venues have required liability insurance for protection in case a guest is injured or causes property damage. General wedding insurance covers other details that are out of your control: vendors going out of business, a tornado on your wedding day, a damaged dress, lost rings, dead flowers, spoiled food or emergency schedule changes, among many other stress-inducing scenarios.

The Travelers policy includes liability insurance for the venue. Sandy Medeiros, who is planning a Nov. 7 wedding at the South Shore Cultural Center in Chicago, discovered wedding insurance when she was looking to purchase liability insurance so she could rent the center. She opted to get full wedding insurance instead.

"If something bad happens, we're good," said Medeiros. "I've heard stories about banquet halls that have closed down. Brides book those places years in advance. Insurance will cover to re-book it somewhere else."

Ernie Belmonte, an agent for Joseph M. Wiedemann and Sons in Arlington Heights, an independent agency that represents Travelers, said his company has had more than 900 inquiries about wedding insurance during the last 12 months -- 80 percent from the Web site and 20 percent from talking about it with customers.

Alan Tuvin, vice president of product management for Travelers, said wedding insurance is extremely popular in the United Kingdom but just catching on in the U.S. "The last time I looked, the average price of a wedding in the U.S. was $27,000," he said. "Is there anything you have worth $20,000 or more that you don't have some type of insurance for?"

Sharon Cohen, senior vice president for Aon Affinity Insurance and a spokeswoman for WedSafe, wedding insurance that can be purchased online or by phone through Aon Corp., said about half the company's wedding insurance claims are vendor related. Of those, she said, two-thirds are because the vendor went out of business.

"People are not delaying getting married [because of the economy], but are certainly much more concerned about the financial aspect of it," she said.

Tuvin said 75 percent of policies are purchased by the bride or the bride's parents. Twenty percent are bought by the groom or his family, and 5 percent are given as gifts. As with all insurance, policy holders hope they won't have to use it. "But what if you do?" asks Jason Mergl, a sales executive who works out of the Naperville office handling Travelers agents in Chicagoland. Mergl is planning a June 2010 wedding and has already made about $3,000 in deposits. Chicago wedding planner Ali Phillips of Engaging Events by Ali said more and more venues are requiring liability insurance, but she strongly encourages brides and grooms to have general wedding insurance as well.

"It's peace of mind," Phillips said. "For $300 you have the peace of mind that the $5,000 you have in deposits is OK. And that is just the beginning."

She recommends that her clients check out Travelers Insurance (protectmywedding.com) and WedSafe (wedsafe.com).

Travelers wedding insurance must be purchased at least 2 weeks before the wedding, and WedSafe requires a 30-day advance purchase, but both companies recommend it be bought as soon as a couple signs with the venue and has deposit money at risk.

Insurance agents also benefit from the growing interest, said Riemen, who talked with Spencer about other insurance needs.

"We're a family-owned agency, and it's nice getting to know these couples when they are getting married," he said. "We can create a relationship with them early on, and they may think of us again when they are in need of home or auto insurance. It's a natural progression."

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Article Source: 
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Posted : Friday 01 May 2009 07:02 | FinReg21 Editor

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