By Meagan Phillips, Wedding Protector Plan and Southern Glam Weddings & Events, Tampa, Fla.It’s no doubt you’re an amazing wedding planner, but what happens if something pops up that is beyond your control? For instance, what would you do if a hurricane was predicted to hit the day of your client’s wedding? What if the photographer never gave the couple their photos after the wedding? The bride is turning to you for guidance. Why stress over situations even the most experienced planner cannot rectify? Wedding insurance ensures your client’s big day goes as planned.As you know, a wedding is an investment. As the costs associated with weddings continue to climb, wedding insurance is more important than ever. After all, your clients wouldn’t purchase a new car without insuring against damage. Their wedding should be no different. For as little as $160 and no deductible, wedding insurance policies can cover a variety of situations for your clients, such as:•    Wardrobe malfunctions. Your client can get repair or replacement costs if the bride’s wedding gown or groom’s tuxedo is lost or damaged.•    Lost deposits. Insurers will reimburse your client’s deposit if a vendor goes out of business, declares bankruptcy before their wedding, or simply fails to show up.•    Lost rings. Your client can receive repair or replacement costs if the bride’s or groom’s wedding bands are lost or damaged.•    Severe weather. If severe weather forces your clients to postpone their wedding, insurers provide reimbursement for non-recoverable expenses.•    Transportation shutdown. If your client has to postpone the wedding because a commercial transportation shutdown prevents either one of the engaged couple or their immediate family from getting to the wedding, they can receive reimbursement for non-recoverable expenses.•    Ruined photos. If the photographer’s film or data storage is defective or negatives are lost or damaged, a good insurance policy ensures the cost to re-take photos is covered.•    Call to duty. If either one of the engaged couple is unexpectedly called to active duty or has his or her military service leave revoked, forcing your client to postpone the event, insurance can provide reimbursement for non-recoverable expenses.•    Damaged gifts. Your clients can get repair or replacement costs if their wedding gifts are damaged.•    Sudden illness. If the wedding needs to be postponed because sudden illness prevents one of the engaged couple or their immediate family from attending, they can receive reimbursement for non-recoverable expenses.•    Venue requires insurance. As an additional option, couples can add liability coverage to protect themselves in case a guest is injured or causes damage to property.•    Liquor liability. As an individual liability option to their policy, couples can add this when they purchase liability coverage. It protects them against liability arising from alcohol-related occurrences at the event location.•    Additional expense. If a vendor suddenly becomes unavailable for your client’s event but they can find a last-minute replacement, insurers can reimburse the couple for the difference in cost.Brides and grooms have been insuring their weddings for nearly 20 years, but the concept gained popularity in August 2011 when Hurricane Irene disrupted more than 6,000 weddings along the East Coast and then, again, in October 2012 when Hurricane Sandy affected more than 2,300 weddings along the same coastline. Unfortunately, many of those weddings were uninsured and couples were left scrambling to salvage any remaining parts of their wedding plans.Another popular reason for coverage is to preserve the wedding memories preserved through photography and video. According to an analysis of all Wedding Protector Plan 2012 wedding insurance claims, 58 percent were related to vendor mishaps involving problems with the photographer. According to The 2012 Wedding Report, couples spent approximately $4,178 on average on photography and videography. Wedding insurance can provide the protection to help couples avoid the added costs of unexpected wedding glitches. (Data had not been released yet for 2013 at the time of this publishing.)If price is an obstacle, consider this. Wedding insurance isn’t expensive compared to the cost of the average wedding. Coverage should be purchased as soon as clients start signing contracts and placing deposits and can be purchased up to two years in advance and in as little as 24 hours before the event in most states. Besides, peace of mind for the big day is priceless. ••* Disclaimer: The material in this article is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy. For an actual description of all coverage, terms, and conditions, refer to the insurance policy in question. Coverage is subject to the individual insured meeting a company’s underwriting qualifications and to state availability.