Put on your best suit or dress, call up your friends and family, and get ready to spend most of the money you’ve saved up so far: you’re getting married! Is there any romantic notion more soulful than being tied to another person for the rest of your life?
Besides procreation, probably not. On the other hand, that same romantic concept is also mortifying to the core. You’re going to, uh, get tied to another person for the rest of your life. And spend half your fortune on the wedding. And have to deal with what comes after, too.
And I’m not talking about your spouse putting on weight and starting to ignore basic hygiene. I’m not talking about children, either. I’m talking about directly after the wedding. Ever heard of reception – the bane of venues across the world?
If you haven’t quite heard about everything that can go wrong during your wedding, then let me be the lucky one to brief you in.
My Wedding, My Terror
I’m not going to scare you to death: weddings are beautiful, and yours should serve as one of the best times of your life. But I’m also not going to sugarcoat it: weddings are difficult to pull off perfectly because of the huge amount of factors able to affect the final result.
I know it sounds like I’m talking about baking a cake, but it’s more or less the same. You stack on several layers of complexity on top of each other, make up an idea of how much you should bake them together, plop it in the oven and hope for a cohesive whole, and hyperventilate when you see it crumble, get burnt, or implode upon itself.
And although holding your wedding in Hawaii sounds like an extraordinary idea, you’ll find that if the costs don’t knock you over, then your guests’ potential predisposition might have a final say in the matter. Because although you won’t have to contend with bad weather, one of your guests accidentally setting a tiki hut on fire can land you in crippling financial debt.
At least that’s one reason why to consider having a winter wedding, right?
The thing is, weddings don’t always go out the way you want them to. Your guests can get rowdy, fight amongst themselves, set the venue on fire, break several million-dollar paintings in the process, and also empty your wine cellar before leaving. And what’s worse is that anything that happens to them leaves you legally responsible!
You heard that right. US law states that anything that happens to a guest located on the premises of an event that you are hosting leaves you directly legally responsible. If one of your guests gets stabbed with an aluminum fork, then you’re going to have to answer for everything.
What Should I Do?
You should get insurance. That’s essentially the end-all of your wedding problems! Although an insurance company is definitely incapable of planning your event for you, inviting your guests, and taking care of stationery, it will be able to offer you financial protection in case of a specified loss or event – in exchange for a premium, of course.
The thing is, weddings are extraordinarily expensive and any difficulties that arise during them are bound to be just as pricy. The premium you pay for an insurance package is a minuscule percentage of the total cost of a wedding for the mental comfort of knowing you won’t get sued to oblivion in case one of your guests front flips off the front lawn gazebo and breaks their little toe.
Plan Well and Buy Protection
It’s not like your wedding is going to be a magnet for everything bad in the world, but as you no doubt know, bad things happen when you least expect them. It’s always better to have paid a tiny extra at the end of a successful wedding than having not paid it at all and learning to regret it!