A wedding is a type of special event that is highly vulnerable to unanticipated occurrences that could cause its delay or cancellation. Although the recent economy has affected even weddings, causing many to scale back costs, these events are still very expensive. Wedding insurance is designed to help handle loss associated with such delays or cancellations. Wedding policy liability coverage usually protects the insured against claims and suits involving bodily injury (such as a guest who is injured while coming off a podium after delivering a toast) and property damage (a relative of the insured who volunteers to check coats destroys a guest's fur coat). Medical payments coverage may also be provided.