Life insurance, long term care, disability insurance — we all have bought at least some of these products. They were offered in order to guard financial safety of our daily life. You might think the choice of different types of insurance is wide, but a bit conservative. But things may not be as they seem, as even in the world of insurance, there are some surprises. There are even some special policies that look quite bizarre You can for example purchase insurance for your special events.

You organized a wonderful romantic wedding — ceremony on the beach, roses all around and hundreds of guests. And out of the blue, just an hour before the ceremony starting you step on the veil, slip and break your leg. For such cases, there is a special insurance policy available, if only to limit the damage to the minimum. Almost all imaginable aspects of an event can be covered by the insurance, and it doesn’t make a difference if it is a birthday party, a wedding or a bar mitzvah you want to insure. The insurance can be adjusted to fit your special needs, but the most common ones are liability and cancellation policies. But what about situations such as rain and storms on the day when you have planned an outdoor celebration? Even this insurance is available, if you ask for it when buying the policy in advance — around two weeks.

And even much more is available If you have bad luck and your photographer by mischance destroys the photos, a well-chosen insurance can help to retake it. Moreover, all the gifts, jewelery and rental property can be insured And the bride may run away from the altar… Yes, believe me; you can cover cold feet too

Some of the biggest world insurance companies offer event insurance. In Allianz, it is a part of the Fireman’s Fund subsidiary, whereas Axa also has fireworks or Christmas light insurance. Some other insurers can cover alcohol related accidents. A bit below $100 — that is the common rate for the basic coverage.