Wedding Insurance – Cover For The Unexpected

A wedding insurance policy is comparatively cheap for insurance which covers a wide range of different parts of your wedding day. Cover can be arranged that gives you reassurance about the largest disasters through to some parts that may give minor disruption but not devastating consequences.

Wedding insurance is as essential to your wedding planning as your wedding dress. Consider how much you spent on your car,Guest Posting was it less than the sum you are about to invest in your wedding? Would you even consider not having adequate car insurance? No? Then why wouldn’t you insure your wedding – when the average cost these days can fall between two and three times the cost of an average family saloon car?

A wedding insurance policy is comparatively cheap for insurance which covers a wide range of different parts of your wedding day. Cover can be arranged that gives you reassurance about the largest disasters (wedding cancellation) through to some parts that may give minor disruption but not devastating consequences (wedding cars not arriving, for example).

Before deciding on the items that you need insurance cover for, and the value of cover that you will need, it will be worth investigating a couple of other sources of cover that may be available to you. If you have sufficient limits on your household insurance policy, you may find that items such as the wedding gifts, wedding rings and wedding dress/attire are covered whilst in your home. A call to the insurance broker should be able to confirm this and/or give you a quote for the extension of cover required to the household insurance.

Items purchased or booked for your wedding and paid by credit card will often carry a level of insurance cover from the credit card provider. In these cases, a wedding insurance policy may be duplicating cover that you already have. For example, if the wedding car supplier went out of business before your wedding day, your credit card supplier would most likely cover the refund of any deposit or payment made by the card.

When you have considered each of the alternative insurance options available to you, if you decide that a more comprehensive wedding insurance policy better serves your needs, start shopping for it as early as possible. Most wedding insurances offer cover on a fixed scale of fees, providing cover until 24 hours after your wedding date. The sooner you arrange insurance cover the more reassured you can be about issuing deposit payments to the wedding suppliers, etc., so make wedding insurance one of the priorities when you’re planning the wedding suppliers list.

When assessing the level of cover you may need, take into account the various items that come together to make your wedding day:

Wedding Cars / Transport Cover

If the wedding transport fails to show or they go out of business before your wedding day, the wedding insurance will cover a refund of your costs.

Wedding Rings Cover

The age-old ‘joke’ of the best man losing the rings – it can happen, and it’s not funny! It’s also possible for theft or loss of the wedding rings to happen any time up to your wedding service. Check that the amount specified in the wedding insurance policy is adequate to cover the total value of both the bride and groom’s wedding rings.

Wedding Flowers Cover

If the florist goes out of business before the wedding day or doesn’t arrive with the floral decorations or buttonholes on the wedding morning, although the wedding insurance won’t replace these, it should cover the cost that you have outlaid to the florist supplier. It means that your last minute replacements won’t be an additional cost to the wedding day.

Wedding Dress / Attire Cover

Accidental damage to the wedding dress ranks amongst the highest of claims made against wedding insurance. Imagine the loss and devastation that you would feel if a burst water pipe or fire or other unexpected event was to cause loss or damage to your beautiful wedding gown. Most wedding insurance policies will cover the wedding dress and the outfits of the main bridal party, but where suits, etc. are to be hired, check who’s responsibility it is for insurance, the supplier or the hirer (most will be the responsibility of the hirer, but some suppliers will offer their own additional insurance cover).

Wedding Caterer Cover

If the wedding caterer goes out of business or – even worse – fails to show up at the wedding reception venue on the date, adequate wedding insurance will cover a refund of the large sum that you have paid to them, leaving you to be able to make emergency alternative arrangements without suffering the additional inconvenience of extra costs to your wedding budget.

Wedding Reception Venue Cover

If a last minute disaster prevented you from using the wedding reception venue that you had booked, fire or flood for example, wedding insurance would cover the last minute alternative that you had been forced to arrange. If your chosen reception venue were to close or go out of business the wedding insurance policy would reimburse the payments you had make, allowing you to choose a different reception venue location without suffering a financial loss.

Wedding Cake Cover

The extravagant creation of your masterpiece wedding cake will be finished and then transported to the wedding reception venue. In almost every case this is done by experienced people and is successful, but disasters can happen! If your wedding cake isn’t delivered, or anything causes it to be damaged, your wedding insurance policy will cover the cost.

Wedding Photographer and Photography Insurance Cover

A lot of things can happen surrounding your wedding plans and wedding day that are totally beyond the couple’s control; the photographer not turning up, the photographs not being able to be processed because of technical problems, etc. Adequate protection from wedding insurance will help alleviate the cost should these difficulties occur. If your wedding pictures don’t turn out, then you have the opportunity to have the bridal party and many of the guests reassembled and have them re-taken, thanks to your wisdom of having your wedding day adequately insured against such mishaps.

Wedding Present Insurance

Wedding day insurance will reimburse the cost/value up to a specified sum for damage to, or theft of, wedding presents. One of the higher number of claims relating to wedding insurance policies is the collapse of tables holding the gifts at wedding receptions, or accidental damage of more delicate presents such as glass or crystal items.

Wedding Guest Liability Cover

Most wedding insurance policies give a level of liability insurance if someone is injured at your wedding. The level of cover often has an option to increase the amount should you need to do so. Some of your suppliers (marriage location, reception venue, etc.) will carry their own liability insurance, so it may be prudent to check this out before extending the level of inclusive cover.

Wedding Cancellation Cover

If the bride or groom change their mind or run for the hills, this won’t be covered by wedding insurance! However, if an event beyond your control, such as the death of a close family member or illness in the family (or of the bride or groom), that causes your wedding to be cancelled or postponed, then the insurance will cover a refund of your expenditure up to a stated amount. If extreme weather conditions cause your wedding to be cancelled due to the guests being unable to attend, or the venue being adversely affected, then the wedding insurance will apply. However, if you are unfortunate enough to have bad weather on the wedding day it is unlikely that the insurance would cover such circumstances (you may wish to try a bookmaker!).

Marquee Cover

Most wedding insurers offer marquee cover as an optional extra. Not all weddings will need this and those using a marquee should check with the hire company if an additional level of insurance cover is needed before adding it to the policy.

The months before your wedding day can be quite stressful, while you’re trying to get everything organised and perfectly timed. No one wants to think of things going wrong at your wedding, but wedding insurance will give you the peace of mind that your deposits and outlay to the wedding suppliers are insured and will be refunded in the event that anything did go amiss in the period leading to your wedding date or on the day itself. Wedding insurance will take away some of the worries that you may have and is a good investment to make.

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The Ultimate Keyword Optimization Guide for Search Engine Positioning

We all know it and we all do it. Whenever the typical web user needs to find … on the web, he or she will almost always … go to one of the top search engines and run a search. Then

We all know it and we all do it. Whenever the typical web user needs to find something on the web,Guest Posting he or she will almost always instinctively go to one of the top search engines and run a search. Then, he or she will have a look at the first 30 search results returned (usually the first three pages of results), hardly ever looking beyond that. If nothing looks appealing, they will run another search using a variation of the keywords they used on the first search. Again, they will look at the first 30 results. If they still find nothing of interest, they may switch to a different search engine and repeat the process. This, believe it or not, is the typical web navigation behavior of at least 86% of the 110 million all web users out there. The question is, does your web site capitalize on this behavior?

If the answer is yes for you, then no matter what a user searches for that has any relation at all to your products, they should find you even if they hadn’t thought of finding you! That translates to a very high amount of daily traffic to your site. Is this what is happening for you?

I bet the answer is no. Very few web sites really capitalize on this behavior. However, you can learn how to do so. For this tutorial, we shall assume that you are in the business of selling wedding gowns. You have a web site that does a good job of displaying your wedding gowns, but like most other web site owners, your web traffic is really low and clients are simply not finding you. You have done everything you can think of, but your pages hardly come up on the search engines. What next? Well, get ready to learn one of the most effective online marketing strategies.

We know that the web user will think of a keyword or phrase and type that into a search form on an engine. That is his or her first step, and so it should be ours. This is a very important step! Get a piece of paper or open up your text editor and keep writing all the keywords and phrases that you think of as you go through the steps outlined below. Selecting the right keywords or keyword phrases will skyrocket your traffic. Research has shown that most people use phrases of 2 to 3 keywords when searching. People have come to learn that just typing in one keyword in a search will get them thousands of records that they just do not need. Therefore, they combine two or three keywords in their searches.

Your list should end up having about 50 or more keywords and phrases. You must write down every word that a person might use to look for your site PLUS words they may use to look for other related information or products. This is no easy task. It involves some research and a fair bit of thought. Remember, thousands of people out there looking for wedding gowns may not all think alike, look for wedding gowns directly, or even realize at the time that they can get wedding gowns on the net! To get a good list, here are the steps that you should go through. Keep your pen and paper handy so that you keep writing as you go along each step.

1. Think! Brainstorm! Sit down for several minutes and think! Write down whatever keywords or phrases come to mind. Then look at your list and see what other word combinations you can make out from the keywords you have already written down.

2. Look at your products and services and see what words relating to them will pop up in your mind. Write the names of each product or service that you deal in. These product names will also be part of your keyword list.

3. Ask your family, associates, clients, and friends what words and phrases they would most likely use to search for products or services like yours.

4. See what keywords your competitors use. See what keywords are featured on their pages and in their meta tags.

5. Be specific AND general in scope. Think of words that also describe things related to what your site is about. For example, if you sell wedding gowns, also think about other things and words related to weddings, such as honeymoon, bridal registry, wedding rings, engagements, and other wedding accessories and services. The idea here is to capture people who may be looking for other things related to weddings, whether they are directly looking for wedding gowns or not at the time. Chances are that someone looking for any wedding related information will also be interested in knowing about wedding gowns. Get the idea? This is a very powerful way of getting more targeted traffic to your site.

6. Do not forget misspelled words. People often misspell words when they enter their search terms. Include commonly misspelled words or phrases as part of your list.

7. If your site deals with a particular region, remember to include that in your keyword list. E.g. ‘Los Angeles wedding gowns’ if you deal in wedding gowns within Los Angeles. A lot of people will search for wedding gowns, get a big list of returned search results, and decide to add the words “Los Angeles” (or wherever else they may be interested in) to get more specific search results.

8. Use the long and short form of words, e.g. consult, consulting, and consultants.

9. DO NOT SPAM! Do not use keywords that have nothing to do with your web site. Do not list the keyword “sex” or “free pics” just because they are frequently searched for if they do not have anything to do with your web site. You will only get traffic that is of no use to you anyway because surfers will come to your site and leave angrily when they realize you just cheated them. Also, search engines are on the look out for such deceitful practices and can sometimes ban your pages for spamming. As long as you stick with keywords related to your core business, you will be fine, but do not go way out of line.

10. Now its time for some research. You now need to look at what people are actually searching for on the various engines and get more phrases for your list. Here is a list of sites that will help you out with that. When doing your research at these sites, remember steps number 5, 6, and 8 above – people often misspell words, they use different word forms, and they may be looking for a whole lot of different stuff all related to your products.

(a) GoTo.com Keywords Inventory Search (http://inventory.go2.com/inventory/searchInventory.mp) – search for your keywords here and see how popular they were on GoTo.com. The service will also tell you what other related keywords and phrases were searched for. This is perfect for finding related keywords that you may not have thought of. For example, a search here for wedding gowns returns the following information:

Suggestions for: wedding gown
Searches done in March 1999
Count Search Term
2590 wedding gown
53 wedding gown designer
43 discount wedding gown
33 wedding gown rental
33 designer wedding gown
29 plus size wedding gown
27 low priced wedding gown
24 lazaro wedding gown
21 informal wedding gown
21 wedding gown pattern
17 vintage wedding gown
14 custom wedding gown
13 used wedding gown
13 wholesale wedding gown
13 victorian wedding gown
12 vera wang wedding gown
11 wedding gown online
11 demetrios wedding gown
10 amsale wedding gown
10 alfred angelo wedding gown
10 paloma blanca wedding gown
10 mon cheri wedding gown
10 los angeles wedding gown
9 wedding gown and supplies
9 wedding gown ivory
9 sweetheart wedding gown
9 galina wedding gown
9 eve of milady wedding gown
8 african wedding gown
8 western wedding gown
8 wedding gown at discount price
8 mori lee wedding gown
7 wedding gown restoration
7 full figured wedding gown
7 diamond collection wedding gown
7 christos wedding gown
7 casablanca wedding gown
6 emanuelle wedding gown
6 badgley mischka wedding gown
6 wedding gown in metro detroit michigan
6 wedding gown dress
6 venus wedding gown
6 prviate label by g wedding gown
6 wedding gown catalog
6 wedding gown bargins
6 wedding gown outlet
6 used wedding gown for sale
6 princess wedding gown
6 moonlight wedding gown
6 medieval wedding gown
6 romantic and sexy bridal or wedding gown
6 lazarus wedding gown
6 jasmine wedding gown
5 guzzo wedding gown
5 mature bride wedding gown
5 jessica mcclintock wedding gown
5 how to make wedding gown
5 wedding gown in rome
5 wedding gown consignment
5 wedding gown texas
5 wedding gown for second marriage
5 wedding gown discount
5 wedding gown and veil
5 wedding gown maine
5 renaissance wedding gown
5 used wedding gown in southern california
5 wedding gown wholesale canada
5 wedding gown prom
5 wedding gown preservation
5 california wedding gown
5 bride wedding gown
5 discount wedding gown and supplies
5 dimetrios wedding gown
4 bargain wedding gown
4 carolina herrera+wedding gown
4 carmela sutera wedding gown
4 bianchi wedding gown
4 consignment wedding gown
4 cinderella wedding gown
4 dicounted wedding gown
4 amy lee wedding gown
4 jacquelin wedding gown
4 picture of wedding gown
4 michaelangelo wedding gown
4 hawaiian wedding gown
4 wedding gown in paris
4 wedding gown by galina
4 wedding gown search
4 uk wedding gown
4 used wedding gown for sale tampa
4 wedding gown used
4 wedding gown marys
4 wedding gown in emma style
4 short wedding gown
4 wedding gown preservation in edinburgh scotland
4 wedding gown pics
4 wedding gown history
4 wedding gown with bow
4 wedding gown under $300
4 wedding gown by alfred sung

(b) SearchTerms.com (http://www.searchterms.com) – See what the top 100 search terms worldwide were. Remember that it is not advisable to use terms that are not related to your web site’s content, but this service can still prove useful.

(c) SearchSpy (http://www.searchspy.com) – SearchSpy is a database of search terms captured from the top search engines. Use this to find even more words and phrases for your list.

Now that you are armed with your big list, what you do with it next is what will get you all the traffic you need. The next process is long and complicated if done manually, but there are ways of making this automatic, easy, and fast, saving you the agony of doing it yourself. This article is too short for the technical details on search engine optimization techniques, so I will just give you a quick explanation and a link to where you can get all this done for you automatically and easily.

Basically, there are 8 major search engines today – AltaVista, Excite, Infoseek, Lycos, HotBot, AOL Netfind, WebCrawler, and Northern Light. Yahoo is a directory so this technique will not work with it. What you need to do is figure out what kind of pages rank well with each of these engines. Search engines use a mathematical formula to rank all the pages in their index. It is hard, but not impossible to come really close to knowing exactly what kind of a page will rank well on a particular engine. Basically, the text statistics on a page are what are considered most by the engine’s ranking formulas. Now, for each keyword or phrase on your list, you need to create a web page that focuses on just that one keyword or phrase and ranks it highly on a particular engine. Because each engine ranks pages differently, you will need to create a different page optimized for each engine.

Stop and think about this strategy for a second. You have a list of virtually every phrase that someone interested in your products and other related products can ever use in a search. Then, you have pages that make sure they rank highly for all those searches. No matter what people search for that has any relation to your products, they will find you even if they had not thought of finding you! Do you now see how much qualified traffic you can get? It is amazing!

The only set back is the amount of work you would have to put into figuring out what kind of text statistics on a page will rank it well on an engine, then creating these optimized pages for your entire list of keywords for each major engine. That means creating about 300 or more finely tuned web pages! But do not worry! As long as you have compiled your list of keywords and phrases, there is an online service that will automatically create the optimized pages for you in a couple of minutes. SearchPositioning.com (www.searchpositioning.com) uses a set of online scripts to cleverly generate web pages optimized for the major search engines. All you need to do is give it your list of keywords and phrases, a short piece of text describing your site or business or products, and your email address (the pages are emailed to you as attached HTML files). To my knowledge, this is the only service on the web that works in this way.

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