Name that risk

摘要

Planning a wedding? Toluca Lake, Calif, insur ance brokerage R.V. Nuccio & Associates offers nine—count 'em—different coverages. Cancela tion for events beyond anyone's control, like bad weather or illness. Liability if a guest leaves the reception tanked and cracks up a car. Stolen gifts. Lost jewelry. Damaged wedding garb. A no-show photographer. Even reimbursement of deposits paid by parents if the couple cancels solely due to cold feet, as well as money for psychological counseling. Nor is this terribly expensive. The firm's website, Wedsure com, quotes just $542 to provide $1 million in liability insur ance and $25,000 of coverage for most other items for a mod est-size wedding and reception in New Jersey. The deductible is only $25. Coverage is a la carte, so you can reduce the price by eliminating some add-ons; if "change of heart" protection strikes you as unromantic (or useless, since six months' notice is required), knock it out and save $25.