TXINS June E-News: Eliminate Wedding Day Jitters with Wedding Insurance, Ask the Agent, Agency Happenings, Texas Trivia & More!

Eliminate Wedding Day Jitters with Wedding Insurance 

Unfortunately, disasters can strike your wedding day. From a sudden venue cancellation to a damaged gown, wedding insurance can help protect a bride and groom against the unforeseen.

What Is Wedding Insurance?
Wedding insurance protects a couple’s investment from circumstances beyond their control and reimburses expenses incurred. For example, what if your limo driver cancels at the last minute and you have to book another one the morning of the wedding for three times the price? What if the groom’s tuxedo is lost in airport baggage and he has to buy a new one the day before the wedding? What if your reception venue goes out of business a month before the wedding and you lose your deposit? These are the types of wedding day financial losses that wedding insurance can help protect against.

Why Should You Purchase Wedding Insurance?
Consider these scenarios:

  • Janet spends months planning her winter wedding. But on the wedding day, the reception site is made inaccessible by an ice storm. With the right wedding insurance policy, she can postpone the wedding and receive every penny lost (less the deductible)—including money for the invites, cake, catering, attire, and nonrefundable deposits for ceremony musicians, the floral designer, and other vendors.
  • The bride’s father is injured in a car accident just before the wedding and cannot travel. If the couple has to postpone their wedding, with wedding insurance they could be paid back their expenses to enable them to have the wedding when the father recovers.
  • The day before the ceremony, Brittany’s gown catches fire from a candle placed too closely in the dressing room. Fortunately, the right insurance policy covers the replacement of the gown.

How Much Does Wedding Insurance Cost?
A basic insurance policy covering loss of photos, videos, attire, gifts, rings, and deposits usually costs anywhere between $155 and $550, depending on the amount of coverage you want. General liability insurance, which covers up to $1,000,000 for accidents, costs around $185. 

Before you buy wedding insurance, check with your vendors to see how well they’re covered. Your reception site or your caterer may already have their own insurance in place. Ask your vendors for a copy of their policy to determine where you need additional coverage.

When Should You Purchase Wedding Insurance?
Having wedding insurance in place sooner rather than later is your best bet. If you put a deposit on your wedding reception hall 12 months prior to your wedding date and it is damaged in a fire a few weeks before the big day, with wedding insurance, you’ll be able to get your deposit back. Keep in mind though; most insurance companies have limitations on how far in advance you can purchase insurance.

What Does Wedding Insurance Cover?
Problems with the venue, weather, vendors, key members of the wedding party, sickness, or injury are top concerns for brides and grooms. There’s usually a specified maximum amount, which can be claimed under each section, and a deductible also applies. Be sure to find out the details of your insurance plan.

  • Venue: Check to see if your ceremony and reception venues are insured. If not, wedding insurance can cover the cost arising out of unavoidable cancellation such as damage or inaccessibility to the ceremony site.
  • Weather: Any weather conditions that prevent the bride, groom, any relative whose presence at the wedding is essential or the majority of the guests from reaching the premises where the wedding is to take place. Insurance covers rescheduling the wedding and all the details involved, including ceremony flowers, tent rental, and reception food.
  • Vendor no-show: What if essential wedding venders, such as the caterer or the officiant, fail to show up? A wedding insurance policy usually covers cancellation or postponement of the wedding for these reasons.
  • Sickness or injury: Wedding insurance may also include sickness or injury to the bride, groom, or anyone essential to the wedding.
  • Military or job: Military personnel may be shipped out at a moment’s notice. Wedding insurance can cover postponement of the wedding due to the bride or groom suddenly getting called to military duty. This can also apply to a last-minute corporate move, like the bride’s company suddenly relocating her to another city.

Things to Consider
Every insurance policy and every wedding scenario is different. Be sure to talk to your TXINS insurance agent—and have him or her explain the nuts and bolts to you. You want to make sure you understand every detail of your policy to ensure your peace of mind on your special day.

We Are Here for You 

Texas Insurance & Financial Services, Inc. is your trusted advocate. As an independent insurance agency, TXINS represents a wide network of A-rated insurance companies, which allows us to find the best insurance policy to fit your needs and budget. We don’t believe in cookie cutter policies and will customize a plan specifically for you. Your overall satisfaction is our top priority. That’s a promise.

TXINS offers complimentary insurance reviews to ensure you are getting the right coverage for yourself, your family, or your business. To schedule your review, contact us today at 800-541-9849 or via email. Together, we will ensure you are protecting what matters most.

The employees of TXINS are active members in our communities. Here’s a quick list of what we have planned for the month.

  • Mr. Sorrel and Kara Wood will be attending the 120th Annual IIAT Annual Conference & Trade Show in Fort Worth in Fort Worth June 15-17. The IIAT Conference is the largest insurance event in the country is a great way for insurance professionals to learn about the newest industry standards and practices as well as network with other insurance professionals from across the country. 
  • Happy June Birthday to Shebra Adler, Russ Taylor, Kay Banker, and Kristen Johnson! We hope you enjoy your special day!
  • Congratulations to the following TXINS team members on their June work anniversaries: Shebra Adler-1 year. We are proud to have you on our team!
  • Congrats to our May Texas Trivia winners Daisy Pesina and Charles Joyce! Don’t miss the new Texas trivia question below. Be one of the first three people to answer the question correctly and win your own full-sized Texas flag!

I’m moving away to college and thinking about starting up a dog walking business instead of looking for a regular part-time job while I’m in school. I know working with dogs is tricky, but what should I be aware before I get started?  – Aria W., Austin, TX

Dear Aria:

Whether you’re starting a side business to supplement your income or your dream is work with four legged animals, a dog walking business has a lot of appeal. Starting a dog walking business may seem simple, but it’s a serious business venture. You must be able to handle multiple dogs at once, and some dog walkers even offer additional services like pet grooming and boarding. Many people consider their dogs an extension of the family and may require that your business provide some form of protection. So how do you protect your business, establish your reputation, and ensure customer satisfaction? Invest in dog walking insurance.

What Is Dog Walking Insurance?
Dog walking insurance is not only meant to protect the dogs you’re walking, but your business as well. You face a huge liability risk when working with multiple dogs. Dog walking liability insurance will assist you if a client’s dog bites another person or is injured while in your care. Purchasing dog walking business insurance protects you and the dogs, and can be very helpful to improve your professional reputation.

Dog Walking Insurance and Bonding
Once you’ve obtained the necessary dog walking business insurance, be sure to find out about bonding options in your area. It may be a good idea to apply for a fidelity bond. This type of bond is essentially another layer of protection for your business. For example, if you must hire another employee whose dishonest act results in a loss of business, your fidelity bond will help to compensate your losses. It’s an extra cost, but well worth the peace of mind.

How to Find Dog Walking Insurance
Your TXINS agent can help you find the right insurance policy for your new dog walking business. Because we don’t work for a “parent” company, we have access to several insurers and can give unbiased advice and feedback on what policy is best for you.

A little bit of research can go a long way when it comes to getting a great policy to protect your new business venture. Good luck!

Do you have a question for our agents? Email it to us! If we choose your question, we’ll send you a thank you gift! Be sure to include your mailing address and phone number in your email.

Congrats to Cody DeRay Goodrum (DJ Construction) of Needville, TX, our May Referral Program winner! Thanks for your referrals, Cody!

If you love Texas Insurance & Financial Services, Inc., tell a relative, friend, or co-worker about us. When they call to receive a quote make sure they let us know that you referred them.

As a thank you, you’ll receive a surprise gift and will be entered into our monthly gift card drawing and our annual Grand Prize drawing for a $1,000 gift card!!!

(Grand Prize drawing will be held on December 7, 2017.)

*Image courtesy of randallmetting.com

Texas Trivia

In the late 1800s, Terlingua, TX was home to the Chisos Mining Co., which extracted mercury. By 1900, three other mining companies opened in the tiny Texas town. When the market for mercury crashed in the 1940s, the miners simply walked away, leaving a ghost town behind.

Over the years, Terlingua has been slightly revitalized with rustic lodgings, a restaurant, and a fully operational saloon/bar, which keeps the locals happy.

On the first Saturday of November, the town hosts two chili cook-offs: the Original Terlingua International Frank Tolbert-Wick Fowler Championship Chili Cook-Off and the Terlingua International Chili Championship. More than 10,000 people visit Terlingua to taste the best chili the state of Texas has to offer. What are these visitors nicknamed? Email your answer to Kara Wood. If you are one of the first three people to answer correctly, you’ll win a full-sized Texas flag!

Show Your Spirit, Texas!

TXINS is proud to be a Trusted Choice® agency. We are dedicated to you and are committed to treating you as a person, not a policy. This commitment means we will:

  • Work with you to identify the insurance that is right for you, your family or your business, and use our access to multiple companies to deliver those products.
  • Guide you through the claims process for a prompt and fair resolution of your claim.
  • Help solve problems related to your coverage or account.
  • Thoroughly explain the coverage and options available to you.
  • Return your phone calls and emails promptly and respond to your requests in a timely manner.
  • Use our experience and company relationships to customize coverage specific to your unique needs.
  • Treat you with respect and courtesy.
  • Conduct our business in an ethical manner.

This is our promise to you. For more information on Trusted Choice, click here.

From our customers…

“My TXINS customer service representative is always friendly and courteous. She explains all of the information and is super patient and helpful. I am highly satisfied with every transaction.” –Charlie Jones, Alvin, TX

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