And if your work is visible, then you may probably need specialist insurance as your home policy may not
cover you against a claim.
Products liability may
cover you against the implications of unforeseen circumstances such as product faults or failures which you were not able to see prior to the event.
Insurance policies such as Card Protection Plan (0870 608 1529 or www.cpp.co.uk)
cover you against loss, and one call will ensure all providers are notified and replacement documents requested.
And it will typically
cover you against disasters involving any of the people providing services such as wedding cars, food and drink, or videos and photographs.
Your buildings insurance should
cover you against everything from fire to an explosion, which in the very worst case could mean having the remains of your home demolished, the site cleared, and a new home built from scratch.
You can buy policies which
cover you against being abducted by aliens or hit by an asteroid which is, alarmingly, considered to be more likely than winning the Lottery jackpot.
Many travel insurance policies don't
cover you against anything more exotic than a game of tennis.
Policies don't normally
cover you against theft by your family or even a lodger.
It will
cover you against accidents and loss of equipment plus usual travel risks such as loss of baggage and compensation for delays and cancellations.
But it should
cover you against spilling paint on the carpet, accidental damage during DIY, damaged TV sets, broken glass and lost keys or belongings.
A typical policy will
cover you against cancellation due to accident or illness, lost deposits should a supplier go bust and damage to the wedding dress.
A typical policy, which costs between pounds 40 and pounds 50, will
cover you against cancellation through accident, illness, lost deposits in case a supplier goes bust and damage to the wedding dress.
A typical wedding insurance policy will
cover you against cancellation due to accident or illness, lost deposits should a supplier go bust and damage to the wedding dress.
Most policies
cover you against 22 serious conditions but there are cheaper ones which cover up to six major illnesses.
A basic contents policy will
cover you against fire and smoke, explosion and lightning, storm or flood, theft and vandalism and subsidence.