Wednesday, August 27, 2014
At our Smart Bride Boot Camp last winter brides wanted our thoughts on wedding insurance. Sarah Goude of Regalo Design shared with us a situation she encountered where the newly finished floors at a venue were damaged. With a repair bill in the tens of thousands of dollars, this couple was lucky to have had limited liability, escaping a major cost!
Photo: The Smart Bride workshop; The Collection
For many people, a wedding can be one of the single most expensive days in their lives. Just as you would have insurance for your other major assets, like your home or vehicles, having insurance for your wedding is something to consider. While we all wish for a perfect wedding day that goes on without a hitch, behind the scenes there is always a Plan B - just in case. Think of wedding insurance as a Plan C, to ensure that your financial risk is limited in an emergency situation, such as a fire, vendor bankruptcy or major injury. With multiple vendors, furnishings, locations and gifts to consider, the financial implications of any unfortunate event can be dramatic. If you’re a numbers person like I am, knowing that the investment you are making on your wedding day is protected (no matter what!) can provide great peace of mind in a time that is often very busy and stressful.
Venue Add-on Policy
There are several different options when it comes to insurance coverage for your wedding day. Some venues will require an application through their own insurer to protect their building and finishes. This is the option I went with for my wedding, and it was a very easy process that was included in our venue fees. Be sure to ask your venue about any requirements they may have, like not having lit candles and sparklers, or having a certain number of security personnel and licensed bartenders for your guests. This type of insurance usually covers anything that is the property of the venue, which can include tables, chairs, flooring or common areas, but does not usually cover any of your own property, like your dress, gifts or rentals brought into the space.
Current Insurance Policy
For many homeowners or renters insurance policies, a rider can be added to cover any expenses that you might be liable for. Calling your current insurer and requesting a quote is a great place to start, as this option is usually fairly affordable and easy to obtain. This type of insurance could cover a personal accident onsite, or the value of any rentals, decor or gifts that you have brought into your venue. A rider can also cover the use of the venue and its property, and some venues will require that you show a Certificate of Liability. If you are renting tables, chairs, serving ware, lighting or other expensive elements, you will want to check with your rental company to see if they require a certain amount of coverage while the rentals are in your possession.
Separate Insurance Policy
It is also possible to obtain a separate policy with another insurance company entirely to cover your wedding and related events (i.e. a rehearsal dinner). You can also take out a policy to cover non-refundable costs should your wedding need to be cancelled or postponed. You can tailor this policy to cover exactly what you want to protect, including rentals, gifts or vehicles. Liability insurance can also protect you in the event that a staff member becomes injured, or guests receive food poisoning.
While you’re at it, don’t forget to add your new sparkly ring to your insurance, as jewelry like an engagement ring usually requires a separate rider on your policy. Most policies will require a certificate of sale, or an independent value from a jeweler in order to set up this type of protection. Covering loss, theft or damage to your wedding rings, it is certainly worth taking the time to make sure your investments are protected for a lifetime wear!
Monday, August 11, 2014
When my husband and I were planning our wedding, giving our guests one heck of a fun, memorable party was one of our main goals. One way we went about doing this was choosing to have a live band for our entertainment. And let me tell you, it was one of THE BEST wedding decisions we ever made. Our guests still rave about it over a year later!
I know that a live band is not for everyone and for every budget, but if budget does allow and you are thinking about hiring a band to entertain your guests for the evening, you'll want to make sure you ask all the right questions to ensure you're getting the best band for your reception – and most importantly, one that will keep the dance floor packed all night!
We sat down with Blue Tone Music & Entertainment, (who are experts in choosing the right wedding band because they represent some of Nashville’s most popular ones!) to discuss some of the questions you should ask before signing on the dotted line:
Do they play a wide range of music?
You and your fiancé may absolutely love country, and only country, but your guests want to hear everything from “Friends in Low Places” to “My Way” and “Livin’ On a Prayer.” Make sure the band is versatile enough to entertain all tastes!
What instruments are included in the price?
Most bands have at least five pieces: piano, guitar, bass guitar, drums and a vocalist. While these five pieces can definitely translate into a great band, adding horns (saxophone, trumpet, trombone, etc.) can really add a special element to the evening – a really fun element! Just make sure when you speak with the band, you know what instruments are included in the price. If they don’t include an instrument that you want, just ask! More than likely it can be added.
How many hours will the band play?
Most receptions last three to four hours, in turn, most bands are contracted to play for three to four hours. If you are planning a reception that will be longer than four hours, make sure to ask the band about their hourly policy. In most cases, they will be happy to accommodate for as long as you need them for an extra fee.
These questions are just the tip of the iceberg when it comes to making the decision on which band to hire. If you have more questions or are considering hiring a live band for your reception, be sure to give Blue Tone Music & Entertainment a call at (615) 352-6358 or visit their website at bluetonemusicusa.com to get the planning process underway!
Thursday, August 7, 2014
I’m about to use a curse word and most of you won’t like it. Budget. Ok, now that that’s out of the way, let’s discuss one of the main reasons you should NOT skimp on your photographer when deciding on how you will be spending those precious dollars in your wedding budget.
I know (oh, I know) how easy it is to get carried away with certain details when planning your wedding. And believe me, I understand that sometimes you just NEED ten-thousand twinkling bistro lights or that specialty linen flown all of the way from Italy, but do you know else you need? A seasoned, professional photographer that will know to capture all of those beautiful décor elements that you spent a year dreaming about.
One of our past attendees at our Smart Bride Workshop posed the question, “Should a bride ever consider hiring a student photographer to save money?” Erin, of The Collection, gave her some advice. Erin believes that while you MAY possibly luck out by getting a student photographer that actually knows that they’re doing, doing so is a big risk. If you don't care whether or not your photos are of good quality and are creative or whether or not you ever even get them, then you can take that risk. But, if photography is important to you, a seasoned professional with years of experience capturing weddings is absolutely invaluable. She also believes that photography, or anything that is vital to your wedding day/memory, is not where you should skimp, be it photos, videos, food, etc. A general guideline is: whatever is a top priority for you is worth the investment.
All photos by The Collection
We agree - 100 percent! When it comes down to it, memories will fade but your wedding photos will last forever. Please hire a photographer worthy of making those beautiful memories ones that you are proud to show off for years and years to come. It is SO worth it!
Monday, August 4, 2014
Join us for an afternoon that’s all about helping you achieve your dream wedding look. With the help of fashion, hair and makeup experts, our workshop for the Nashville bride will cover trends, do's/don’ts, advice and insider tips. These beauty professionals will help you turn your Pinterest wishes into a reality. Have fun and learn while browsing through stunning bridal gowns. See live hair and makeup demonstrations. Meet other Nashville brides and get to know wedding professionals that can help with your big day.
We've assembled the top wedding professionals from around the city. Experts include: the owners of Geny’s Bridal, J. Bangs Salon, Amy Lynn Larwig makeup artist and AshleysBrideGuide.com. Discuss your specific beauty goals and ask the beauty experts anything...
Are hair extensions right for my wedding look?
Should I wear my hair up or down?
Will I ruin my hair and makeup when putting on my dress?
Which dress complements my wedding venue?
Which makeup trends should I avoid? How can I look like me, but better?
Can I dress up a ponytail? Are braids too trendy?
Are there any great looks for honeymoon hair and makeup?
Bring your questions on hair, makeup and bridal gown fashion to our panel of wedding experts and we'll help you get smart. The aftermoon will be interactive, as beauty experts discuss fashion, create trial hair and makeup looks on select brides.
Due to the intimate nature of the event, space is limited to 20 brides. The workshop is free when you pre-register. Follow this link to register.
Thursday, July 17, 2014
We are excited to announce that on Saturday, August 16, Lane Photography is once again hosting their popular marriage workshop! Based on the book “His Needs, Her Needs,” Scott and Kristen, the husband and wife team behind Lane Photography, want to help couples discover how to meet their spouses' five most important needs.
Limited to 12 couples, the five hour workshop is $150 per couple and includes a copy of the “His Needs, Her Needs” book to take home. This week only, take $50 off for early bird registration.
For additional information and to register for the workshop, follow this link.
Scott and Kristin of Lane Photography, a husband and wife team committed to building strong marriages.
Images from June's marriage workshop