Wedding Insurance

Though you might not want to think about it, disasters can strike your wedding day. From a sudden cancellation to stolen gifts to a damaged gown, wedding insurance can help protect you against the unforseen, and can also afford you great peace of mind. But what exactly is wedding insurance—and how does it work?

General Liability Limits
  • Each Occurrence (Includes Bodily Injury and Property Damage) $1,000,000
  • Damage to Rented Premises $100,000
  • Personal & Advertising Injury $1,000,000
  • Products / Completed Operations Aggregate $1,000,000
  • General Aggregate $2,000,000
  • Medical Payments $5,000
  • Liquor Liability Host Included
  • Waiver of Subrogation Not Included
  • Additional Insured(s) Included
  • Deductible $1,000
Each Occurrence

The "main" limit on the policy. This is the limit per claim/damage regardless of the number of injured parties. Includes injuries to bodies, property & settlements.

Damage to Rented Premises

The Damage to Rented Premises limit would apply to damage caused by fire or damage caused to a property where you are in a rental agreement for more than 7 days. For rentals of 7 or less consecutive days, the Each Occurrence limit will apply to damage other than by fire.

Personal & Advertising Injury

Coverage for the claim of damages against character, reputation, libel, slander and advertising.

Products/Completed Operations Aggregate

Coverage limit for products related claims; food, products sold, etc.

General Aggregate

If there are multiple claims, this is the most the policy will pay in total

Medical Payments

A "no fault" coverage. This is not designed to be the source of a severe injury claim, just simple medical expense claims that can be settled/solved for little with minimal investigation.

Host Liquor

Generally applies to events with bring your own booze (BYOB), alcohol is being given away and guests are serving themselves, or someone else (the hotel or professional bartending service) is responsible for selling or serving.

Host Liquor is included at no additional cost to you.

Note that intentional and willful serving of alcohol to those under the age of 21 is illegal and may result in complete voidance of the policy in the event of a claim.

If your venue asks for a Waiver of Subrogation or Primary Wording, you’ll need to purchase this endorsement. If they don’t ask – you don’t need it. But if you want the nitty gritty…this endorsement makes your policy the first and only policy to pay in the event of a covered claim, even if the venue may be partially liable. Waiving subrogation limits our carrier from recouping costs for claims paid on behalf of others.

Additional Insureds

When your venue asks to be named or included on your policy, this is what they’re talking about – you need to add them as an Additional Insured. This provides protection for an entity (like your venue or ownership group of your venue) other than yourself in the event of a claim.

Deductible

The amount the policy holder is responsible for in the event of a claim(s).

Request A Wedding Insurance Quote

Personal Insurance Coverage

Homeowner

For most individuals, a home is the largest single expense they will have in their lifetime. For this reason, it is crucial to protect the sizable financial investment you have made in your home by finding the perfect homeowners insurance plan for your needs. Our experienced professionals at McInturf-Fulmer Insurance are your ideal partner for guidance in choosing the right policy for you.

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Auto

Auto liability is an ever-present danger which requires the proper level of coverage for your specific situation. In addition, many individuals find the vast and ever-changing landscape of auto insurance difficult and confusing to navigate.

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Motorcycle

A motorcycle policy gets you the basics every biker needs, like Bodily Injury and Property Damage Liability, Comprehensive and Collision, Uninsured/Underinsured Motorist, and Medical Payments. Your independent agent can help you figure out the limits and deductibles that fit your budget.

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RV

It's more than a "home away from home". It's the freedom to venture out and explore America. Choose McInturf-Fulmer, and you explore with confidence.

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ATV

Whether working around your property or having fun on the trail, it's important to keep your ATV protected. And while adding your ATV to your homeowners policy might seem like a simple solution, it might also leave you with some gaps in your coverage.

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Boat Insurance

Get the basics that every boater needs—Liability coverage to protect your assets, and Physical Damage coverage to protect your watercraft.

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