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Your last newsletter discussed the benefits of Building Ordinance insurance. If you're planning to build on your property or adding to an existing structure, a related policy - Builders Risk - can protect you from losses during construction, helping make sure that you finish the project. The amount of coverage should reflect the total value of the completed structure (including the costs of material and labor, but not the value of the land). In most cases, the construction budget will be the best source for calculating this amount. The policy is usually written for a period three months, six months, or 12 months. If needed, the term can be extended once. Builders Risk covers damage to the insured structure(s) from a wide variety of causes, ranging from natural disasters (wind, lightning, hail, and lightning) through accidental events (fire, explosion, or vehicle accidents) to human activities (such as theft and vandalism). Coverage usually also includes: Fire department service charges for saving or protecting property from a covered cause of loss. Removal of debris from property damaged by a covered loss. Losses from the backup of sewer and drains. Most policies exclude losses from earthquake, flooding employee theft, mechanical breakdown, contract penalties, war, government action, or faulty design and workmanship. You might be able to add coverage for some of these exclusions - such as earthquakes and flooding - if the building is in an area that's prone to one or both of these natural disasters. Bear in mind that this policy does not provide Liability coverage for accidents or injuries on your property. We'd be happy to tailor a comprehensive Builders Risk product that fits your needs - and budget. Just give us a call.

As the average cost of getting hitched keeps rising (to $27,000 in 2012), more and more couples are using Wedding Insurance to protect their investment against mishap - and help ensure peace of mind on this special day. Wedding policies will reimburse you for losses due to: Weather: The cost of rescheduling if the event has to be postponed because of rain or other bad weather. Illness or injury to the bridal party. The expenses of postponing the wedding if essential people (such as the maid of honor or best man) can't be there. A missing celebrant. Some of the costs if your minister, justice of the peace, rabbi, or other celebrant doesn't show up. Missing vendors. Some, or all, of the expense (including rescheduling) if the caterer, florist, photographer, or other key vendor is missing in action. Damage to the venue. Your losses if fire, electrical or mechanical outage, or going out of business makes the wedding or reception site unusable, forcing you to reschedule. (This coverage might not apply if the sites already carry insurance). You can also buy coverage "riders" for a variety of other risks, ranging from a military service call-up to the bride or groom and damage to a wedding gown or tuxedo, to stolen or damaged gifts, and cancellation of your honeymoon due to illness, bad weather, or other mishap. If you're holding the ceremony in your home, you might also want Liability insurance in case a guest gets hurt or injures someone. Premiums can range from $100 to $1,000 (if you buy Liability coverage and host an open bar). We'd be happy to tailor a Wedding policy to meet your needs, and budget. Just give us a call.