Fireman’s Fund Private Event Insurance includes their Weddingsurance® product, which covers liability in the event that a party gets out of control, cancellation, weather, photography, gifts, attire, jewelry, and rental property damage. New features that have been recently added to the coverage are cancellation of the wedding due to one or both parties backing out, emotional counseling if the wedding must be rebooked due to a calamity, more destination wedding locations, and online purchasing.

The Travelers Companies, Inc, last year launched The Wedding Protector Plan which includes a wide group of reasons under which a claim can be made. In addition to the broad range of coverage, they also permit many locations outside the US where the couple will be covered should a problem arise. They also promote the fact that there is no deductible and the cost to insure is relatively inexpensive compared to the out-of-pocket expenses due to circumstances over which the couple has no control.
One final note on purchasing wedding insurance:

Like all other insurance policies, do not assume that you are covered for every contingency. Read the sales material thoroughly, understand what is being offered and ask questions if necessary. For example, some companies do not consider cancelling a wedding due to cold feet as a reason for making a claim. Also, not all locations abroad may be permitted.

One might ask if the cost of the insurance is worth the risk and in most instances the answer would be yes. Some examples of why wedding insurance is vital when planning a destination wedding are:

• Weather is one factor that humans cannot control. Should a volcano erupt or typhoon hit the location, events will require the cancellation of the wedding. Undoubtedly, the bride and groom will have already sent deposits or even the full amount to local vendors. Their money will be lost without insurance.
• Another reason for destination wedding insurance is the fact that people get sick and accidents happen. Should either the bride or groom not be able to travel due to poor health, serious physical injury or even death, insurance will cover the costs already incurred.
• If one or more vendors do not carry through will their commitments in the way of not showing up or not providing the paid-for product or service, the insurance will cover the costs.
• Lastly, there are a large number of problems that could arise along the planning process path such as the gown being lost in transit, the wedding salon or tuxedo store closing down after having been paid, or the airline cancelling flights.