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Posts Tagged ‘Event’

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.



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.




Good Luck Ladies: Bridal Gown Giveaway!

Skip those bridal salon appointments—for one lucky bride, her wedding gown and bridesmaid dresses are on InStyle Weddings!

They have teamed up with Ann Taylor ( to give one bride-to-be the tiered wedding dress featured in the Winter 2010 issue of InStyle Weddings along with up to 6 bridesmaid dresses and shoes and jewelry for the entire bridal party!

To enter to win, email INStyle the story of how you asked your bridesmaids to be a part of your wedding party at
For contest rules go to
By Kim

Auction and Fundraiser

My company, Kim King Smith Events had the opportunity to work with D. Hancock Associates a professional appraisal and auctioneering company on an antique auction that was absolutely amazing. The owner of the home was 96 when she died and the house was packed with treasures. Buyers came from all over the country and the auctioneering firm needed to make sure they would be fed. Well, my sorority, Tri Kappa was in need of $$$ and thus our first Kappa Kafe was introduced. Here are some pictures of a fun late summer afternoon that also provided a lot of profit for a worthy organization.

Brides for Breast Cancer April 17th and 18th, Susan G. Komen, April 18th Save the Date!

Save the date now for a national trunk show from Brides for Breast Cancer. This event is hosted by Emmis Broadcasting on Monument Circle. The Association of Bridal Consultants is a national sponsor. Beautiful gowns and accessories will be available for purchase on Friday April 17th and Saturday, April 18th at the Emmis Broadcasting facility. Brides may also bring their dresses in for donation at the event site. All proceeds will go to assist women with breast cancer. Did you know that one in seven women will be affected with this disease? Get on board and support this worthy organization. Also, don’t forget the Susan G. Komen Race for the Cure is on Saturday, April 18th at Military Park. Both events really make a huge difference in many lives. Please try to support them with your purchases (great deals),donations and attendance. More info on Brides with Breast Cancer or Susan G. Komen, contact me and I will steer you in the right direction.

Art of the Table 2009

Art of the Table 2009 was an event you did not want to miss. Whether you are planning a wedding, a party or a dinner this affair at the Indianapolis Museum of Art was the perfect way to discover new ideas and trends by Indiana’s best bridal consultants and designers. I decided to do a bridal luncheon or bachelorette themed table. The name of my linens was “Warhol Roses”. I thought this was a perfect way to incorporate the art theme of the IMA and a lot of creativity and fun. From the linens and Warhol I came up with Marilyn Monroe, Mick Jagger, Audrey Hepburn and more. Next I decided with all of these characters involved it would definitely be a wild party. This is where my theme (thanks, Marilyn) “A Party to Make Your Skirt Fly!” developed. Thanks to Angie and Janet from Bokay Florist, 54Th and College, for the great floral design and Jen from CardInk for the wonderful job on the invitations and table stationery. I couldn’t have pulled it off without you and your many talents!
Make sure to attend Art of the Table next year. With over 28 designs and infinite creativity you definitely will leave inspired!