Miscellaneous

Wedding Insurance

Posted on by Brad Smith

Wedding Insurance

It's the most important day of your life. You want it to be perfect, put there are no guarantees. Reduce your risk with a wedding insurance policy.
Who would you risk the most important day of your life? Trust TruePoint to protect your wedding day.

   Weddings, regardless of the current economy, are still quite expensive events. The average cost of a wedding still approaches $30,000. Insurance has become a necessary component to provide special protection for this extremely important, personal event.

Coverages vary, read your policy

Wedding insurance is not standardized, so policy wording can be quite different among the specialty insurance companies that offer protection. Wedding insurance can help protect against the huge expenses suffered if, for certain reasons, the wedding is either postponed or is canceled. Protection can be purchased to respond to loss involving unrecoverable expenses as well as to lawsuits that result from a wedding that is not held as planned.

Policy Coverages

Usually, to qualify for coverage, a wedding’s cancellation or delay has to be caused by an eligible source of loss/disruption such as catastrophic weather, a church where the wedding is to be held suffers smoke damage and is suddenly closed, or the reception caterer closes her business the day before the wedding.

Items covered by the policy are usually expenses that can’t be recovered (non-refundable). Eligible expenses often include the following:

  • Facility Rental (church, reception halls, etc.) Costs
  • Catering Costs
  • Clothing Rental Fees
  • Floral expenses
  • Photographer Fees (in some cases, videographer fees may also qualify)
  • Hotel Costs
  • Transportation Costs (limos, taxi costs for transporting a wedding party or guests incurred by insured or honoree)
  • Air Transportation
  • Other miscellaneous, non-refundable costs

Eligible expenses include those related to the honeymoon as well. Examples of “Other expenses” may be the deposits for services, such as florists, entertainers, etc. Naturally, payment of these costs is subject to the policy’s limit.

Wedding Personal Liability

Liability coverage protects against losses or lawsuits that allege that the insured/honoree is responsible for bodily injury, personal injury or property damage to a third party. However, any claim must be due to an incident that takes place at the wedding (including reception). The coverage obligation includes a duty to legally defend an insured/honoree against claims/losses.

Example: The Bridals are sued by a best man who was seriously injured when the nervous groom turned abruptly to get the wedding ring and knocked the best man off a podium.

Additional Coverage

Many wedding policies offer additional coverages such as:

  • Photographs and Video Coverage
  • Gift Coverage
  • Rented Property Coverage
  • Special Attire Coverage
  • Jewelry Coverage

Your policy may give you the option to add Liquor Liability coverage.  If you plan to sell alcohol this policy should be a requirement.  Open bars?  Your liability is the same whether you are selling or serving.

Weddings are expensive. But cutting corners on the insurance for your big day, well that might cost you more than wedding. Get liquor liability and a professional bartender.
Cut the right corners when planning your wedding.

Do yourself a favor

When some accident comes about to turn the big day into the big cancellation or the big disaster; having wedding insurance could take the financial sting out of the situation.

COPYRIGHT: Insurance Publishing Plus, Inc. 2017

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without the written consent of Insurance Publishing Plus, Inc.

USPS Contract Delivery Service Carriers

Posted on by admin
Tired of overpriced insurance? We're helping drivers find great deals on Kentucky auto insurance. Dial (5020 410-5089 and let a TruePoint agent show you what we can do. Need cheap Georgia car insurance. Call TruePoint at (9120 330-1265.
Need help with your car insurance? TruePoint can help!

 

Neither Rain Nor Snow
The Greek historian Herodotus is credited with the saying, “Neither snow nor rain nor heat nor gloom of night stays these couriers from the swift completion of their appointed rounds.” His words were describing the dedicated work ethic of the Angarium, Royal mounted couriers in ancient Persia.
 
Rural letter carriers often struggle to find auto insurance coverage. However it's easy once you find the right agent. TruePoint Insurance can help.
USPS Rural Letter Carriers can get Auto insurance at an affordable price. It’s not as difficult as you might think.
Two thousand years later the famous words of Herodotus are now used to accurately describe another group of couriers, the US Postal Service. Granted lots have changed over two thousand years. Technological advancements and modern transportation systems have simplified the process of accurate and timely delivery of mail. However, not all advancements have made the life of mail couriers easier.
 
For most of us, buying auto insurance is a rather simple process. However, for independent or rural mail carriers, obtaining auto insurance is much more complicated. Finding an agent or broker that is willing to offer mail carrier insurance is a significant challenge. It gets worse; many times those that think they have coverage for their USPS vehicle find out when attempting to file a claim, that they have purchased a policy that does not cover the vehicle while on their route. 
 
The personal cars of rural letter carriers must be covered by a commercial or business policy.   More specifically mail carrier insurance.  While that doesn’t sound like it would create a big problem, it is.
This guy doesn't worry about mail carrier insurance, (rural letter carriers, contract carriers, star routes, etc) they do!
Reasonably prices auto insurance is available for Rural Letter Carriers.
The world we live in postal carriers must still brave the snow and rain.  But that’s not their biggest problem.  Getting through to an insurance agent that a standard personal auto policy will not provide coverage.  The same is true for the standard commercial auto insurance policy, USPS letter carries are not protected.
 
Still, the mail must go through. mail carrier insurance for USPS rural carriers presents a significant problem. However, the transfer of risk doesn’t have to be difficult, nor should rural delivery contractors worry if they have a policy that will provide adequate coverage in the event of an accident. Visit our website at www.insuringky.com or call and speak with a TruePoint agent for a quote that will provide you with USPS vehicle insurance.
 
 

TruePoint Insurance Group, LLC

6287 Taylorsville Rd. Fisherville, KY 40023

6287 Eagle Lake Dr Lawrenceburg, KY 40342

Pooler, Georgia Location to be announced soon

Kentucky and Indiana Rural Letter Carriers: (502) 410-5089

Georgia and South Carolina Rural Letter Carriers: (912) 330-1265

Saving Water Damaged Property

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Salvage experts, property specialists, and government agencies advise that quick action is critical when dealing with water-damaged property. Many types of personal property can be saved within 48 hours of being exposed to water.

Warning 
Water damage property may be insure. You are not. Safety first.
What’s in the water

Before trying to save property, make sure that YOU are safe. Flooded buildings can be hazardous. Make sure that there is no danger of electrocution by turning off power and avoiding fallen utility lines. Do not come in contact with water containing sewage and make sure the floor, ceiling, and wall support pose no danger.

Tips On Handling Personal Property

Photographs – Remove from plastic/paper enclosures or frames; carefully rinse with cool, clean water; DO NOT touch or blot surfaces. Air dry, hang with clips on non-image areas, or lay flat on absorbent paper. Keep photographs from contact with adjacent surfaces or each other.

Paintings – Remove from frames in a safe, dry place. Do NOT separate paintings from their stretchers. Keep paintings horizontal and paint-side up with nothing touching the surface. Avoid direct sunlight.

Books – If rinsing is necessary, hold book closed. If partially wet or damp, stand on top or bottom edge with covers opened to 90° angle; air dry. If very wet, lay flat on clean surface; interleave less than 20% of book with absorbent material; replace interleaving when damp.

Paper – Air dry flat as individual sheets or in ¼” or smaller piles, with absorbent paper placed between each wet sheet (interleaving). Do not unfold or separate individual, wet sheets. Keep coated papers wet by packing in boxes lined with plastic garbage bags; freeze (maps or manuscripts), sponge water out; pack loose flat sheets in flat boxes or plywood covered with plastic sheets. If there are too many items for air drying, interleave (by groups or individually) with freezer or waxed paper; pack papers or files, standing up in sturdy containers; pack containers only 90% full and freeze.

CDs, DVDs – Remove from cases and bathe in clean distilled water, dry with lint-free towels and insert into new casing and copy.

Clothing/Fabrics – Brush off all loose, dried dirt. Rinse thoroughly in cold water as soon as possible until as much mud as possible is removed. Repeat if necessary. Do not use hot water as it sets stains from red or yellow clay. Machine wash when no more dirt can be rinsed out.

Wood Furniture – Rinse/sponge surfaces gently to clean, blot, and air dry slowly. If any painted surfaces are blistered or flaking, air dry slowly without removing dirt or moisture. Weigh down or clamp veneers in place while drying; separate weight from veneer with protective layer. (Finishes may develop white haze; treat later with wood cleaning product.)

Upholstered Furniture – If antique or VERY valuable, get professional estimate on cleaning/restoring.

Metal – Use gloves to handle, rinse/sponge and blot metal object, air dry. If object has applied finish, do not clean. Air dry; keep flaking surfaces horizontal.

Leather (including shoes) and Rawhide – Rinse/sponge with clear water to remove mud, drain and blot to remove excess water, pad with toweling or unlinked paper to maintain shape, air dry. Manipulate tanned fur skins during drying to keep skins flexible.

Baskets – Rinse, drain and blot to remove excess water, stuff with clean paper towels or cotton sheets to retain shape and absorb stains, cover with clean towels and air dry slowly, regularly changing blotting material.

Be Practical and Prioritize

Often it is impractical or impossible to try to save everything, so prioritize. Work on the property that is MOST important to you and that is most vulnerable to permanent damage. One practical consideration is to forget about fully upholstered furniture and mattresses. Such property is usually impossible to properly dry and is often contaminated.

COPYRIGHT: Insurance Publishing Plus, Inc. 2014

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without the written consent of Insurance Publishing Plus, Inc.

TruePoint Insurance Group, LLC

6287 Taylorsville Rd.

Fisherville, KY 40023

(888) 706-5423

TruePoint Insurance Group, LLC is not licensed to practice law, nor can it provide legal counsel. This summary is not intended as a legal opinion. We cannot warrant that the opinions and representations provided in this summary are accurate. TruePoint Insurance Group, LLC has provided this summary of the Virginia Graeme Baker Act for your awareness. The summary may or may not identify your requirements as a pool or spa owner. If you own a pool or spa you are advised by TruePoint Insurance Group, LLC to refer your specific situation to legal counsel.