If I was a major mover in the insurance industry I would be coming up with an idea that would make a fortune; insurance policies for WAG’s – those women who are loved and left in the lurch by their over-paid footballer husbands. They certainly are making the news these days and even though you cannot see any of them losing their life of luxury either way I am wondering if they would have insured their relationships at the off if they could have!

That’s the problem with anything – we never seem to consider that the nice things in life can go horribly wrong when we least expect it. Take weddings for instance: if you have ever organised a wedding and reception – or even just been part of the wedding party – you will know the myriad of opportunities there are for things to awry at the last minute. Major events too: when I was freelancing as a violinist I saw my fair share of exhibitions and shows suffer serious setbacks financially when a sponsor withdrew at the last minute and there were a handful of occasions when we musicians/entertainers did not get paid because the organisers did not think to take out event insurance to cover themselves in such situations.

Honestly, I have seen some high profile organisers end up very red-faced through something as seemingly trivial as not planning for bad weather or a special guest not turning up – and this is what makes or breaks reputations in the industry.

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