Coverage A: Event Cancellation / Postponement

We will indemnify you, in excess of the deductible, for:

All deposits forfeited and other charges paid or contracted to be paid by you or the honoree for transport, catering services, property and equipment rentals, hall and location rentals, accommodations (including travel arrangements and accommodations for a honeymoon, if applicable), special attire, special jewelry, flowers, event photographs and videos, and entertainment expenses, because of a necessary cancellation or postponement of the event, including a cancellation or postponement resulting from withdrawal of leave.

We will not indemnify you for any special attire or special jewelry that you, the honoree or any attendants retain following a cancellation or postponement of the event. With respect to the indemnity provided under Coverage A as set forth above, loss or damages must be proven separately for each portion of the event.

Exclusions

We will NOT indemnify you for any loss caused directly or indirectly by any of the following:

1. Any circumstances known to your or the honoree at the date of issue shown in the declarations page as likely to give rise to cancellation or postponement of the event.
2. The non-appearance or unavailability, except as otherwise provided in item 7 below, of any person; provided, however, that the foregoing shall not apply to the involuntary non-appearance of you, the honoree, or your or honoree’s immediate family, or an active participant in the event. Non-appearance resulting from military deployment is not considered an involuntary non-appearance.
3. Lack of funds (other than by reason of unemployment of you or the honoree after the date of issue shown in the declarations page and qualifying for payment under the applicable unemployment statutes).
4. The failure to provide timely notice to the contracted provider of any goods or services in order to diminish or avoid a loss after it was necessary to cancel or postpone the event.
5. Prohibition of the event by local ordinance, regulation or statute in existence as of the date of issue shown in the declarations page.
6. Cancellation or postponement following a voluntary decision of you or the honoree not to proceed with or take part in the event, including, without limitation, such voluntary decision resulting from a change of heart.
7. Weather conditions, unless such weather conditions are so extreme as to prevent you, the honoree, your or honoree’s immediate family, an active participant in the event or more than half of the guests from reaching the event, or which renders the event venue unusable or unsafe.
8. Any loss otherwise covered by the policy, if, in respect of or consequent to the death, injury, illness, disablement, confinement or compulsory quarantine of:

1. Any person occurring or arising as a consequence of self-inflicted injuries, mental illness, or influence of alcohol or drugs (other than drugs taken in accordance with the treatment prescribed and directed by a qualified medical physician except drugs taken for the treatment of drug addiction);
2. Any person due to any pre-existing medical condition known to you or the honoree at the date of issue of the policy;
3. Any person caused or contributed to by pregnancy commencing before the date of issue of the policy, unless the expected date of delivery is more than two (2) months after the event date;
4. Any person resulting from a violation of law; or
5. You or the honoree if you or they have contracted for, arranged, or commenced the event against the advice of any medical practitioner.