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Insurance for your Special Events

Rob Zimny

Today I want to discuss the importance of insurance for your special event, celebration, wedding and lifestyle. Our expert is Rob Zimny, IU grad, Alpha Tau Omega Fraternity, Shelbyville native from Pfenninger, Claxton and Estelle Insurance Agency in Shelbyville.  Rob may be reached at 317.398.9797.  You may get free quotes and insurance policies with him with or without having any  insurance coverage at his agency. We will chat and try to address some of your concerns for insurance.  Note we are not selling nor advising, just bringing some information to the table. Let’s start with Renters Insurance.  A lot of you rent an apartment or home.    Renter’s insurance is inexpensive and a lot of times you are able to get renters insurance with the same company you have your auto insurance with.  It’s usually about $10 more a month and you are getting $25,000-$30,000 on your personal property (furniture, clothes, computer) Jewelry needs to be scheduled on your homeowners or renters and insured for an agreed value.  It confirms you are getting pretty much what you exactly have.  Let’s make an example,  if you have a flawless one carat diamond that you purchased for $7000 and you have it specifically scheduled for agreed value, if that ring was lost or stolen you would get the same agreed quality for similar value.  If you did not, you may get a one carat diamond coming from WalMart or possibly a check for $2,000 instead of $7,000.  It could possibly not be the same like, kind and/or quality. Gentlemen, make sure to get the engagement ring insured as soon as you purchase it. Weddings, Farm or Outdoor events:  Who/What to insure???  The person that owns the property would need to carry the homeowner/farm insurance.  The hosts are approving the event and the property is in their name.  They  need to look into a one day or weekend policy.  Ideally, everyone would have insurance, farm owners, parents and the hosts.  If the hosts or family live out of state, they would need to investigate with their insurance provider.  Laws may be different and it would be best to research this. Two people that live separately ( both have renters or homeowners insurance) generally would be covered. The insurance company would determine how to split the coverage if there was a problem and it would be the decision of the insurance company.  It is a tricky situation and would take time to determine the resolution. A suggestion would be a rider for the day and they would also have an umbrella policy usually to $150-$200 per year for $1000000 up to $5,000,000 and a one day special event on top of this The umbrella policy covers a year i.e. if you have $500,000 on your personal liability and you had an accident you would have an umbrella.  A young couple that have one car and they are renting are not the ideal couple for the insurance.  The ideal client that would be liable would be someone that has property, value etc  to lose several cars, their main home, lake home, boats etc.  Once the amount of liability you have is used up, the rest comes out of your pocket i.e. your house, personal property, car or more.  Lots of times, prominent individuals especially, want to make sure they are covered in case they are sued or if there was any type of injury.   Ask the question…. If you are going to be sued what do you have to lose?  Serving alcohol and the number of guests helps determine the insurance coverage fee.   Gifts:  Gifts are in a car and the car is broken into.  It’s covered if you have auto insurance.  If you are at your venue and gifts were stolen it may be hard to recover.  More than likely turning the claim in would be more than the deductible. Travel Insurance: This is something you should check into prior to making any reservations.  You need to make sure you know exactly what it covers and if this is what you desire. If you have additional questions, please feel free to contact Rob.

Love,

Kim

Fun Wedding Departures: What will your exit be?

Thanks to our fabulous photographers Brooke Photography, Morgan Matters, Jesse Daniels, Tall Trees, The Studio, Megelaine, and Brittany Davis

Throughout your wedding planning you have envisioned making sure to WOW your guests with your invitations, décor, linens, cocktails, dinner and entertainment.  Each element of your wedding or event sets a tone and excites your guests about being part of the experience.

Have you ever thought about the party ending?  What about the departure?  Would you like to make it as memorable as the entry into your ballroom?  Ceremony or reception, your departure will leave a happy memory for you and guests.

Don’t overlook the wedding departure.  It can be fun and fabulous!  What better experience than to leave your guests with another unexpected, happy and exciting moment?  We have offered some images of past weddings that we hope will WOW you and give you the inspiration you may need to create your very own Grand Departure.  Make sure to let us know what you decide.

Happy planning!

Love,

Kim

Bridal Show Advice

The Perfect Wedding Guide Bridal Show

 

This is one of the BEST TIMES of your life.  You are so excited about being engaged and all the upcoming planning of your wedding.  Chances are your wedding may be THE biggest event you ever plan.  We’re here to help with some advice on attending Bridal Shows.

Bridal Shows are a very helpful tool in planning your wedding.  They familiarize you with many different services and vendors.  You’ll be able to see a wide range of talent and service menus.

Here are some tips that we suggest when attending shows.

1.  Get your discount tickets prior to the show.

2. Arrive early.  It’s always best to be one of the very first there.  The vendors are fresh, there should be several giveaways and there’s lots of time to ask questions.

3.  Eat something healthy prior to arriving.  You’ll be sampling wedding cake, hors d oeuvres and favors all day. Who can resist wedding cake?????

4. Make sure to wear comfortable shoes and clothing.  This excursion could take several hours.  Make sure you feel great and are able to move easily amongst the different areas the venue may provide. Take a bottled water.  You’ll be glad you did.

5. Don’t be afraid to ask questions.  Vendors are prepared to answer your many questions and help you.  Don’t be afraid to ask if there are any “show specials” or coupons to use too.

6. Take the groom, your mom and/or your maid of honor too.  This is a fun time and it will be valuable to share opinions.

6.  Take a close look at the vendors booths and their preparations.  This is a detailed industry and you’ll want to work with individuals that really know how to make details work and give a great presentation

7. Print out a sheet of return address labels for drawings.  This will eliminate a lot of sign up time. There will be drawings and sign ups.  You’ll be able to breeze through them.

8. Bring a pad to take notes and a big bag for your goodies, you’ll be glad you did.

9. Don’t set a time limit on the day.

10.  Enjoy this experience and have FUN!

If you have any questions or worries, please contact us.  We are always happy to hear from you.

 

Love,

Kim

5 Tips for the Newly Engaged

You are engaged!  Where do you begin????  We have five details we want to share.

Photo credit to Nathaniel Edmonds Photography

1.  Select your venue.  Make sure to visit (try to visit at the time you will be having the reception) and ask others that have attended events there their experience too. Consider your guest count, parking, accessibility.  Always make sure to read the contract carefully so that you don’t have any “surprises” later with food, drink and times.

2. Go shopping!!! Your wedding dress will be a highlight and make sure to enjoy every minute of your shopping excursions.  Make sure to take heels that will be similar to the height you will be wearing + your mom+ grandma and maid of honor.  Too many more people and you won’t ever be able to decide on THE DRESS.

Photo Credit to Dixon Digital Photography

3. Subscribe to a wedding magazine or two or three and read a good book.  We love Bride Magazine and Martha Stewart Weddings. Make sure to purchase, Wedding Planning for Dummies, 3rd edition. Kim King Smith is the technical editor and has made sure all the DETAILS are outlined for your special day.

4. Select a theme for the wedding; even if you are the only one to know it.  This will keep you focused, it’s  your path to “Happily Ever After”.

Photo Credit to Kim King Smith Events

5. Choose a photographer and select your Save the Dates.  FYI the Save The Date photographer does not have to be the Wedding Photographer.  Make sure to go somewhere you love, bring your pup and have a really good time.  Not sure about the Save the Dates? Ask us.  We will help you create something wonderful and personal to let all of your friends know about the BIG DAY.

Photo Credit to Morgan Matters Photography

Have fun along the way!  It’s a special time, enjoy every moment!

Wedding Wire Recognizes Us As Top 5% In Nation

THANK YOU THANK YOU THANK YOU THANK YOU THANK YOU THANK YOU THANK YOU THANK YOU              We can’t thank you all enough!

Wedding Wire, one of the best media resources for Brides and Grooms in the nation,  just contacted us.

 We have received  2014 Wedding Wire Couples’ Choice Award!!!

This award recognizes us as one of the TOP 5% Wedding Professionals nationwide.

WOW, we are very humbled and very excited.  THANK YOU to all of our clients for allowing us to be a part of your wedding planning.

We loved every minute of it and can’t wait for more in 2014! 

 

Love,

Kim

Just Announced: Color of the Year 2014

 

Pantone has just announced the color of the year for 2014. We have anxiously been awaiting this announcement.  Each year, it is so much fun to see what the color will be.  This year it is a hue of purple and we love it!!! (of course)

Did you know that purple is considered a neutral?  It has warm AND cool tones which make it a very compatible color partner.  The new color is soft, but yet powerful enough to stand alone.  What colors will you pair it with?  Make sure to let us know.

Pantone Reveals Color of the Year for 2014: PANTONE 18-3224 Radiant Orchid

“While the 2013 color of the year, PANTONE 17-5641 Emerald, served as a symbol of growth, renewal and prosperity, Radiant Orchid reaches across the color wheel to intrigue the eye and spark the imagination,” said Leatrice Eiseman, executive director of the Pantone Color Institute®. “An invitation to innovation, Radiant Orchid encourages expanded creativity and originality, which is increasingly valued in today’s society.

“An enchanting harmony of fuchsia, purple and pink undertones, Radiant Orchid inspires confidence and emanates great joy, love and health. It is a captivating purple, one that draws you in with its beguiling charm.”

For more than a decade, Pantone’s Color of the Year has influenced product development and purchasing decisions in multiple industries, including fashion, home and industrial design, as well as product packaging and graphic design. Past colors include:

  • PANTONE      17-5641 Emerald (2013)
  • PANTONE      17-1463 Tangerine Tango (2012)
  • PANTONE      18-2120 Honeysuckle (2011)
  • PANTONE      15-5519 Turquoise (2010)
  • PANTONE      14-0848 Mimosa (2009)
  • PANTONE      18-3943 Blue Iris (2008)
  • PANTONE      19-1557 Chili Pepper (2007)
  • PANTONE      13-1106 Sand Dollar (2006)
  • PANTONE      15-5217 Blue Turquoise (2005)
  • PANTONE      17-1456 Tigerlily (2004)
  • PANTONE      14-4811 Aqua Sky (2003)
  • PANTONE      19-1664 True Red (2002)
  • PANTONE      17-2031 Fuchsia Rose (2001)
  • PANTONE      15-4020 Cerulean (2000)

Photo and Credits:  http://ca.finance.yahoo.com/photos/pantone-reveals-color-2014-pantone-photo-050100891.html, http://brides.prestonbailey.com/2014/01/01/new-years-orchid-centerpieces

Love,

Kim

 

Tips for a Great Toast

Cheers!!

  We couldn’t have said it better ourselves…..Whether you are planning to give a toast or receive one.  Here is some great advice to guide you.

 1. Keep it brief.  Think of a toast as a miniature, one- to two- minute speech.  Because it is short and sweet, memorize your toast.  “Two big mistakes are that people read their toast and don’t make eye contact,” says Dr. Mardy Grothe, author of Viva la Repartee.  Nervous about blanking out? Use a note  card with bullet points, suggests Karen Bussen, author of the Simple Stunning Wedding series.

 

2. Look to others.  Turn to the honoree’s favorite author or singer for inspiration.  “If they  like Mark Twain, find a quote that speaks to the occasion,” Grothe says.

 

3. Rehearse.  Deliver your toast to a friend or into a tape recorder, especially if it’s an emotional toast.  “Heartfelt tears are wonderful, but not if folks can’t understand what you are saying,” Bussen says.

 

4. Be appropriate.  Stay sober- an alcohol-fueled toast can be longwinded and inappropriate.  Another no-no:  toasts that      become roasts, Grothe declares.  Humor is key, but consider the audience and avoid controversial remarks or sore subjects.

 

5. Ask everyone to raise a glass.  Make sure you are holding a drink too.

 

Information from USA Weekend Magazine, author Kelly Di Nardo

Cheers,

Kim

Fall Wedding and Event Inspiration

Hello, Fall! The leaves are changing here in Indiana and we are gushing over the beautiful colors. Here’s a little inspiration on incorporating these fabulous autumn hues into your wedding.

 

Love,

Jessica

Sarah + Johnny: Colorado Destination Wedding

We love being involved in destination weddings.  This summer we had the privilege of helping Sarah + Johnny with the details for their Colorado Wedding.  What fun we had!  Better yet, they were married during a 7 hour pocket of great weather before the terrible storm in Colorado.  We are so thankful for them and that their wedding was a beautiful time.  We love sharing this picture with you and there will be more to come.

 

Jessica and Kim

French Lick Resort Springs Wedding: Abbie + Derrick

Wedding team warming up for wedding!

Abbie's wedding bouquet

Abbie + Derrick on the French Lick Springs Resort after their "first look".

 

Kim King Smith with her son, Derrick and her husband, Mark.

Jessica, my lead designer, after being my wedding planner for the day!

Where do I begin?  The wedding planner’s son gets married 🙂  After coordinating many weddings, it was my turn to be the Mother of the Groom.  I enjoyed every minute and can’t thank my staff enough for helping me.

Abbie and Derrick’s wedding was a wonderful destination wedding at the beautiful French Lick Resorts, French Lick, Indiana. Both Abbie and Derrick are from Southern Indiana and wanted to be married there too.  French Lick was a perfect fit; offering a great weekend getaway, beautiful gardens and lots of activity. It was the perfect spring weekend and the Southern Indiana skies were sunny and bright blue; the same color as Abbie’s bridesmaid dresses.  The resort had lots of activity to offer the guests before and after the wedding.  The ceremony was planned in the gardens, a sudden rain shower caused a change of location plans. No problem for us!  A quick change of plans and the ceremony was held indoors overlooking the gardens.

It was so much fun hosting The Whipstitch Sallie’s Band.  This quartet of ladies played folksy, Americana bluegrass music during the ceremony and entertained at the cocktail hour. After the cocktail hour, guests were invited into the Windsor Ballroom for southern Indiana cuisine and lots of dancing.  The ballroom was detailed with custom linens in midnight, pewter and cornflower blue. Lots of silver accents and hydrangea adorned the tables.

We loved having the band, American Pie + “Mr. Emcee and Super DJ” Scott Evans there.  What a great entertainment combo for a non stop evening of fun and celebration. Thanks to Morgan Matters Photography, Dixon Digital Photography and Love’s Reel for capturing all the special moments and festivities.  It was an unforgettable weekend with a lot of special moments.

 

Love,

Kim