Event Insurance

posted 3 years ago in Legal
Post # 2
Member
2052 posts
Buzzing bee

I haven’t had my wedding yet, but I was under the impression that special insurance was only required if there were performers or laborers who were there not employed by the hotel or any company you hired.

For instance if you hired handyman Dave to setup your altar area, then you’d need insurance for that. But if the hotel is supplying the labor, the hotels insurance should cover it.

Post # 3
Member
858 posts
Busy bee

We are having to purchase Liquor liability, simply because we are having liquor at our wedding… we havent had to purchase any other insurace. We are in Canada, so clearly that could be the difference!

Post # 4
Member
1532 posts
Bumble bee
  • Wedding: August 2013

It depends on the venue. Some venues don’t have their own liability insurance and so you are responsible for buying it. I feel like it probably applies to venues that don’t have large events all the time.

My friend had to buy it – she got married in a Women’s club. She was so happy with the company she found that she actually convinced us to buy event insurance. It cover so much stuff and cost less than $200 for us. It seemed like a good idea to pay like 0.6% of our wedding budget to give us some piece of mind if anything happened.

Anyway – here’s the website: https://www.wedsafe.com/Pages/home.aspx

Post # 5
Member
3344 posts
Sugar bee
  • Wedding: April 2013 - Rhode Island

Our venue required us to purchase event insurance.  However, they also made it really easy and gave us the paperwork to get it done.  We applied online and paid something like $150-180 and it was done.  You should only purchase it if you’re required to, and your venue should provide the information.

Post # 6
Member
1532 posts
Bumble bee
  • Wedding: August 2013

Christy42213:  Maybe I should have said that we purchased “Cancellation” insurance? Our venue did not require us to buy liability insurance. We bought insurance that covered, for example, anyone involved in the wedding getting hit by a bus and us needing to cancel and rebook. Or the venue going backrupt and needing to book a new venue. Or our wedding gifts getting stolen from our car on the ride home. etc etc.

Post # 7
Member
3344 posts
Sugar bee
  • Wedding: April 2013 - Rhode Island

koi424:  Ohhhh, I’ve never found cancellation insurance to be worth it.  Most, if not all, vendors would be willing to work with you in the event that you needed to postpone the wedding.

Post # 8
Member
1532 posts
Bumble bee
  • Wedding: August 2013

Christy42213:  By the time you’re half way through wedding planning, and all the insane prices people are throwing at you, it seems like a drop in the bucket. lol!

I don’t regret it. We didn’t use it, so it was a waste of money, but it gave us piece of mind. And that’s hard to come by as the wedding date approaches! 🙂

Post # 9
Member
3 posts
Wannabee

I used Markel Event Insurance – super easy to purchase, and cheap (I think it was around $150).  Highly recommend checking them out.

 

Post # 10
Member
1112 posts
Bumble bee
  • Wedding: August 2013

We had to purchase liability insurance for our wedding (not a typical wedding venue). it was essentially in case anyone fell into the lake and drowned, or someone fell and broke their arm. The venue never asked to see proof of it, but we did have a certificate. I can’t remember the name of the site we used, but we did it all online. Search for providers of liability insurance in your area, it shouldnt be too difficult to find one! 

Post # 11
Member
772 posts
Busy bee
  • Wedding: September 2013

I had to buy liability insurance for our venue. I just added it for the day to our homeowners policy, it cost $50.

Post # 12
Member
1465 posts
Bumble bee
  • Wedding: November 2015

ElizaBennet1026:  I didn’t read the other replies, but my venue specifically states that we HAVE TO get wedding/vendor insurance. It’s only like $300 I think, but it was in our contract. It is supposed to protect and reimburse us if we have to cancel or change wedding plans for any reason

Post # 13
Member
5697 posts
Bee Keeper
  • Wedding: August 2012

As PP’s said it depends on your venue. If you own a home and need to get it you may be able to add it as a temporary rider to your homeowners ins.

Post # 14
Member
941 posts
Busy bee
  • Wedding: April 2015

We purchased both Liability and Cancellation insurance through wedsafe. The Liability was required by our venue, but it also gave us additional peace of mind should anything happen (especially with liquor service). 

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