Protecting Your Biggest Day – Wedding Insurance in Hong Kong

It’s no secret that weddings are expensive.

From the wedding planner, to the venue, to the food, and even the gifts, getting married can be a very costly proposition.

There are simple alternatives, like a civil ceremony to sign the marriage license at City Hall. But if you’re going the traditional route, booking a church, and doing a reception, then the amount of money in play is going to be significant. Which means that there is a lot at stake should anything go wrong on the day.

Unfortunately, in life the best laid plans of mice and men often go awry, and no event ever goes according to its initial design. From dealing with Typhoons, to an unruly guest knocking over the DJ’s equipment, there is a lot that can go wrong with a Hong Kong wedding, so it is important to be prepared.

Wedding Insurance can Help.

What is Wedding Insurance?

Wedding Insurance is a form of Hong Kong Event Insurance that is specifically designed to protect you against the financial risks of mishaps occurring during a wedding. This is a customizable form of insurance that can be tailored to the exact needs of your ceremony, giving you complete confidence that you are protected against any unforeseen eventualities.

So what coverage is available under a Hong Kong Wedding Insurance Policy, and what options can you choose to include in your plan?

Wedding Public Liability Insurance Protection

Also known as “organizers liability insurance,” public liability is a key component in every Hong Kong event insurance policy, and will consequently be found on most wedding insurance plans.

This type of benefit will protect the policyholder against accidental damage, injury, or death caused to third party during an event. Encountered in other forms of insurance coverage, Public Liability is a mainstay of most forms of event insurance – and may be required as a condition of leasing many venues in Hong Kong.

This is to say that, before you will be able to hold a wedding at a venue, the space you are renting will normally require you to display proof of insurance for public liability protection. Under wedding insurance plans, Organizer’s Liability protection will normally provide financial protection to the policyholder for the following risks:

• Accidental Property Damage
• Accidental Injury to a person
• Accidental obstruction, nuisance, trespass, or interference
• Accidental wrongful imprisonment, arrest, or detention

In many cases, Wedding Public liability insurance can start with coverage in the region of HK$ 10,000,000 per event, but can be tailored to meet the needs of your wedding and venue.

Wedding Cancellation Insurance

One of the more worrying things about a wedding is the concern that you may have to call it off or cancel it for any reason. Fortunately, under many wedding insurance policies it is easy to access an Event Cancellation Insurance Benefit.

With this type of coverage, you are protected against a wide range of reasons for calling off your special day. If your wedding is happening inside then you will be able to obtain Weather Cancellation protection (which covers you against things like Typhoon signal 8’s or Black Rainstorm Warnings) as standard under most comprehensive Wedding Cancellation benefits offered by CCW Global. If your wedding is happening outdoors, then you will need to purchase supplemental Weather Insurance Protection to cover the risk of adverse weather impacting your day.

Wedding Cancellation Insurance is normally managed by the exclusions included in the policy. Unless specifically excluded from protection under the plan’s terms and conditions, most reasons for cancelling your wedding can be covered under this type of insurance – meaning that no matter what happens, you’ll be able to get any money you have already spent returned to you.

However, it is important to note that typically excluded from Wedding Cancellation coverage will be:

• Non-appearance of key individuals
• Terrorist Attacks at the Venue
• Bankruptcy or insolvency of any vendors
• Commercial Strikes announced prior to the purchase of the policy

For more information about this form of Wedding Insurance protection please click, Event Cancellation Insurance Coverage.

Wedding Dress Insurance

One of the more expensive items associated with a wedding will be the dress that the bride wears on the big day. Many brides want to save their wedding dress and give it to future daughters, or simply keep it as a memory of the event. So, having anything happen to a wedding dress at the wedding can be catastrophic, even if it occurs after the ceremony.

There are many things that can happen to a wedding dress. It could be stolen before the wedding, it could have red wine spilled on it when the bridal party is getting ready and the Maid of Honour has had a little too much to drink, or it could be the recipient burn incident when a merry uncle gets a bit too carless with the sparklers provided for the walk out.

Including a Dress Coverage Benefit on your wedding insurance plan means that you are insured against the costs of replacing or repairing your dress in the event that it is lost, stolen, accidentally destroyed, or accidentally damaged. This gives you the assurance that this expensive item of clothing will be in your possession for many, many years to come.

Wedding Photography and Videography Insurance

Ensuring that the memories of your wedding are kept safe is important for many couples, which is why it is typical for a wedding to have a significant monetary investment made towards capturing the day through photographs and videos.

Including Photography and Videography Insurance on your wedding coverage will mean that you are able to recover the costs associated with the deterioration, disappearance, or destruction of exposed media which were intended for your own use. Covered under this would be things like a fire at the editing studio, or water damage to exposed film that had not yet been printed.

While it may not be possible to recover the media lost, a Wedding Photography and Videography Insurance benefit will mean that you are not compounding your loss by having to lose money on something you will no longer receive.

Hong Kong Wedding Insurance Solutions

No two events will ever be exactly the same, and this is also true of weddings. While some people may opt for a low-key civil signing at city hall, others may want a lavish reception at the Peninsula Hotel. No matter what type of wedding you may be planning, if you are concerned about any of the risks of challenges you may be facing, CCW Global can help to design a policy that is right for your specific needs.

From weather cancellation concerns, through to any gifts that people may be bringing (and leaving you) on the day, our wedding insurance solutions are fully bespoke and customizable to the requirements of the individual wedding being planned. Further to this, our independent and expert brokers can walk you through all the options on the market, empowering you to make your own decisions about the coverage you want.

For more information about wedding insurance in Hong Kong, or to enquire about any of the policy options offered by CCW Global, please Contact Us today to arrange a no-cost, no-obligation consultation.

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