Before the big day, it is a good idea to sit down with your future spouse, and possibly your family, to discuss the different wedding moments that you want to make sure are captured by the photographer. During all of the excitement, it can be really easy to forget some of the essential shots. You probably won’t realize until you get the photos back several months later that you missed taking a shot of the entire bridal party standing during the ceremony, or the father-of-the-bride giving his big speech. And by then, it’s too late. So, consider this list of twenty wedding picture ideas and wedding insurance options. You might not think the two go hand in hand, but without the protection of an insurance policy, you probably won’t be completely relaxed during your big day—and it will show in your pictures.
Wedding Attire Insurance
Once you are engaged, one of the most exciting pre-wedding purchases is the wedding dress. There are entire television shows dedicated to chronicling the journey each bride takes as she searches for her perfect gown. But, all of that excitement can disappear in an instant if something goes wrong with the dress. For example, many brides need to bring their dress to a tailor for alterations. Normally, this involves several fittings to ensure that the dress is the correct length and fits properly. During one of these fittings, you notice that the tailor has accidentally mixed up the alterations requests for you and another bride’s dresses. It will cost extra money to fix the issues. For circumstances like this that are beyond your control, a wedding attire insurance policy is your best bet. This type of policy is usually part of a broader wedding insurance package that also covers the gifts, rings, and photos. The insurance would help to pay for the additional alterations required to fix the dress.
There are many fun and creative picture ideas that you can do with the wedding attire.
- Getting Ready: casual shots of the bridal party getting ready before the ceremony are a fun way to remember the beginning of the wedding day. Pictures of the mother helping to button the dress or putting on the veil, the groom and groomsmen tying their bow ties, and the bride getting her hair and makeup done will all show the excitement.
- Just the Attire: still life pictures of the bride’s dress on a hanger, the bride and groom’s shoes as they stand next to one another, or the collection of “something old, something new, something borrowed, and something blue” on a chair. Giving special attention to each piece that you have chosen with your loved one will show the detail and effort that went into planning your wedding.
- The Extras: It may sound silly, but the small details that you spent so much time planning can be easily forgotten in the years after your wedding. So, the best way to remember those “extras” is with a photo. Request that your photographer take pictures of the bouquets and boutonnieres, the programs and invitations, and the welcome bags for out-of-town guests.
- The First Meeting: one of the most exciting moments for the bride and groom is the first time they see each other in their wedding attire. It may be a pre-arranged meeting before the ceremony begins, or as the bride walks down the aisle. Either way, having pictures of the bride and groom’s reactions to one another is priceless. Other related photo opportunities include the bride spending time with her father, the bridal party walking down the aisle, and the bride and groom exchanging vows.
- Showing Off: Some of the best photos can be the most casual. Before and after the ceremony, the bridal party can show their excitement for the big day, as well as their attire, with several candid shots, including: the groomsmen lifting up the bride, the groom with the bridesmaids, the bridal party jumping for joy all at once, and the bride and groom walking off into the sunset. These pictures can be done before or after the ceremony, depending upon your schedule.
Wedding Liability Insurance
While a basic wedding insurance policy will generally cover the wedding attire, gifts, or a rescheduled wedding date, wedding liability insurance is different. When you are at your reception, you will be happy to have protection against events such as bodily injury, personal injury, and property damage. Wedding liability insurance covers against all three of these factors. For example, imagine that you are out on the dance floor enjoying the celebration with your friends and loved ones. Unfortunately, one of your wedding guests sprains their ankle attempting to demonstrate the latest dance craze. The policy would help to pay for their medical bills. If that person were to also bump into the wall while falling, making a hole, you are protected against any property damage costs. Depending upon the wedding venue, you may be required to have a policy with $1million to $2 million in liability coverage, so it is best to speak with the reception hall representative to clarify the insurance policy that you will need.
- Time for Fun: Now that the ceremony has been completed, it’s time to relax and have fun! Make sure to get a photo of the bride and groom walking back up the aisle together, greeting their guests, and the bridal party chatting with one another.
- Formal Pictures: Whether you plan to get married at a religious location, at a park, or in a barn, it’s still a good idea to take the time to have formal wedding pictures done. This may include one with the entire bridal party, just the bride and groom, and photos with each side of the family.
- The Send Off: After you have completed your formal pictures, you may want your guests to provide well wishes for your marriage. Have them shower you with bubbles or flower petals as you leave the ceremony location, and make sure to capture the moment with a photo or two.
- Traveling to the Reception: Maybe you’ve rented a limo, a town car, or a horse-drawn carriage to take you and your bridal party to the reception. Whatever the mode of transportation, have the photographer take pictures of you traveling to the reception. If possible, make a few stops along the way at sites that are visually interesting in order to capture your first few moments as a married couple.
- Get Creative: Before your reception begins, take the opportunity to have some creative pictures taken. The photographer may want to use the unique light of setting sun or the falling rain or snow as a way to create drama or depth to a photo. You could also use props, like umbrellas, to add a bit of drama.
- Highlight the Venue: The venue itself can serve as a background to your photos. Use the landscape and the architecture to your advantage. Maybe there is a rolling hill on the property that bride and groom could walk down. Or, maybe there is a beautiful wrought iron fence to bring in a new pop of color.
Host Liquor Liability
Many couples want to provide their guests with a variety of beverages at their wedding reception, including alcohol. If you intend to serve liquor, consider purchasing a host liquor liability policy. This will protect you against any bodily injury or property damage stemming from alcohol-related incidents. It is different than general wedding insurance because it is only for accidents pertaining to intoxicated guests. Check with your reception venue representative and your state laws, as the amount of coverage you might need will vary. For example, if your guests choose to drink, and then get into a fight with one another, or drive off the reception venue premises while intoxicated, you might be held financially responsible for any damages. Having a host liquor liability insurance policy will help to cover the costs.
- Still Lifes: Just like at the wedding ceremony, there are many opportunities for the photographer to capture all the small details of the wedding reception. This may include the cake, table decorations, the wedding card box, and the guestbook.
- Bridal Party Entrance: Whether you have the whole bridal party introduced to your guests, or just the bride and groom, capturing their entrance into the reception venue is always a fun way to show the start of the evening’s festivities.
- The Speeches: At wedding receptions today, it is tradition to have several people give speeches. Some of the best photos may come from the reactions that the guests and bridal party have to these speeches: funny stories that make everyone laugh, as well as the more emotional moments.
- Cutting the Cake: Weddings have included cakes or other deserts as part of their celebrations for centuries. Traditionally, the cake is cut by both the bride and groom as their first task done together as a married couple.
- The First Dance: The bride and groom’s first romantic dance together is a great photo opportunity. Have your photographer not only capture the two of you together, but also have them change their shooting angle in order to show the guests watching the dance.
- Candid Moments: Throughout the reception, there will be plenty of candid moments that the bride and groom might not see: a dance between the parents, a young niece or nephew entertaining the crowd, and much more. Ask your photographer to walk around during the reception taking pictures of your guests having fun.
Destination Wedding Insurance
If you are looking for a way to celebrate your wedding in a different or unique way, then a destination wedding might be right for you. Unfortunately, planning a wedding long-distance means the potential for additional risks. For example, there may be a hurricane, a key person in your wedding party may come down with an illness before traveling to the destination, or a vendor may cancel. Of course any of these issues might mean having to reschedule or pay an extra cost ensure that the wedding continues as planned. Help protect yourself against such risks with destination wedding insurance.
- The Ceremony: One of the best parts of having a destination wedding is the opportunity to get married in a unique setting. This may be a beachside villa, a castle in the countryside, or nestled in the mountains. Make sure to have your photographer take photos that capture this beautiful landscape.
- The Destination: After the ceremony, continue to take advantage of the beautiful sights that your destination provides. Photos ideas include pictures of the venue without the bridal party, the bride and groom taking in the sights, and your loved ones relaxing in the picturesque location.
- Bonus Photos: If you are planning a destination wedding, you may also choose to have more unique decorations, food options, bouquets, and much more. Have your photographer capture the creativity you put into your destination wedding with candid photos of the bridal party and guests that highlight these additional features.
Speak with an Agent
If you have any additional questions about how to protect your wedding so that those key moments are captured on camera, then speak with your independent insurance agent. They will have the knowledge and experience to recommend the right wedding policies to suit your individual needs and concerns.
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