Photo: Brooke Silverman Photography | Kalero Vineyard, Purcellville, Virginia

In light of everything that is happening with the #coronavirus, no time like the present to get all your ducks in a row. I’ve already seen plenty of cancellations, postponements, and rescheduling; some of which have not gone so well for the couple for one reason or another. Most of them are taking major financial hit costing them thousands of dollars lost. Don’t let this be you, here are three things I highly recommend you do now!

Communication

As I have shared before the key to a stress-free wedding day is staying organized, planning ahead, and communication. With that said, I want to strongly urge you: if you are so much as thinking about rescheduling your wedding, you must communicate with all of your vendors immediately. Not communicating early could mean losing your entire deposit and/or payments. Don’t wait until the very last minute to make this call. While I understand how devastating is it to have to change your wedding date after you’ve put in so much time, emotional energy and money to plan your special, perfect day!

Review Your Contracts

If you have not already reviewed your contracts, you must do so immediately whether or not you are thinking about rescheduling. It is important to get familiar with your vendors’ individual contracts paying special attention to their cancellation, postponement, and/or force majeure “Act of God” clauses, in addition to their refund/transfer policies. Don’t wait until the last minute, it will cost you a lot of money if you! I offer contract reviews for all my full planning clients. For my partial and day-of clients, I offer contract review at $450, please email me at glory@wildflowerhill.co if you need help with contract review. This fee covers all of your vendor contracts for the duration of your service with me.

Wedding Insurance

In addition to the above, please do yourself a favor and get wedding insurance. Please make sure you have coverage for wedding cancellation / postponement insurance. Cancellation insurance provides you with financial reimbursement for losses and expenses, including lost deposits or other charges you’ve contracted for, for all aspects of your wedding.

Some insurances also go further to provide coverage for vendor no-shows; losses to professional pictures or wedding videos; lost, damaged or stolen gifts; damaged or loss of wedding attire; damage or theft of wedding rings. The cancellation/postponement policy protects the non-refundable deposits on everything connected with your wedding, should it be cancelled or postponed for a covered reason.

Coverage
Here are some things you can expect to be covered by your wedding insurance.

Covered Events

• Wedding ceremony

• Honeymoon

• Rehearsals

Damages and Injuries

• Venue damage

• Medical coverage

• Host liquor liability

Special Items

• Attire

• Gifts

• Jewelries

• Professional counseling

Services Covered

• Photography

• Videographer

• Lost deposits

• Military deployment

• Transportation

• Catering

**Please ask your insurer for more details about coverage you need and/or not listed. This is not a complete list, so please do your due diligence.

Here are a few companies who offer the best wedding insurance. Act now as some companies might not be able to offer comprehensive wedding insurance, but only cancellation·

• WedSafe

• Markel

• Wedsure

• EventHelper

Additional companies who offer wedding insurance

• Nationwide

• USAA

• Progressive

• Geico

• Travelers

Weddings are expensive, protect your investment by getting wedding insurance. I cannot stress this enough.

Have you purchased wedding insurance? Will you purchase insurance after this whole ordeal?