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Ynichole, most caterers provide this liability insurance. Are you just paying a venue fee to the location, and bringing in your own caterer? If so, check with them. They are responsible for it and build it into the cost of your overall fees. It usually is not a separate charge.
Since we're having our reception at a private club, it is specifically required in our contract that we must provide proof of liability insurance for that day. My vendors (caterer, photog, DJ, etc.) will also provide their proof of liability insurance.
Lot's of places require liabiity insurance. Wed Safe is a good company, their policies run around $200. Be certain that you mention everyone in your policy.
We just found out we have to have a policy in place, this is requierd by the CHURCH, not the recpetion venue. I can see it being reasonable if we were serving alcohol at the church but we aren't- its just a church. We also had to put up a $1,000 security depoist. This is maddening because if we are required to have insurance, why do we have to pay a security deposit as well?
Frustrating, very frustrating.
In addition to our caterer needing to have liability insurance, we had to get our own as well (our venue is a historic mill in a state park). We have renter's insurance through State Farm and we were able to add a single day liability rider for $35 ($500k coverage). Apparently you ask to name the business or organization as a one day "certificate holder," not an "additional insured," as the second is a lot more expensive.
try travelers or chubb
we needed it in addition to our caterer's insurance policy. i got a policy from wedsafe that cost $195. it covers up to $1,000,000 with $250,000 property damage limits. it also let me put our venue (a museum) as an additional insured party for no additional charge, which was nice.
i didn't want to add it onto my existing insurance policy because it was more expensive and i didn't want my rates to go up if we needed to make a claim (same reasons my engagement ring also has a separate policy).
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Thanks everyone!
amjvdm: Did they confirm that one day "certificate holder" is the same as "additional insured?" My contract specifically uses the language "additional insured"
ynichole--Those are apparently two different things. I have no idea about this kind of stuff, but the contact person for the historical society in charge of the building said either is okay for their purposes, but the "certificate holder" is cheaper. Per her explanation, doing the "additional insured" is essentially adding that person/group to your policy for a day, whereas the CH designation just extends your policy to a separate location for the day. Why one is cheaper, I have no idea, but this is my understanding of it...
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additional insured is a better option
ynichole - I work at a venue that requires this, I actually detail and do catering for weddings specifically at a hotel. Even if you do not use them, Allstate, State Farm, Farmers, etc. will provide this for you. It will be a little more than going through the insurance company that you currently have for home owners or auto. The most common mistake is that people will add an "additional insured" for an entire month (hence $200+) make sure to let them know you would only like to make the addition for one day. The cost will be a little more if you let them know that there will be alcohol there as well. It should be in the $35 to $50 range. Good Luck!
RV Nuccio also offers liability insurance.
We aren't required to have it, but our venue is a museum with lots of pricey, damageable items, so we are getting it anyway to be safe.
The previous definition of an additional insured is correct--an additional insured is insured by your policy as if they had taken out the policy themselves. So adding an additional insured onto your policy actually changes the policy from what it was before.
On the other hand, a certificate holder is someone who holds a "certificate of insurance." A cerfificate of insurance is just proof you have an insurance policy. It doesn't change the policy in any way and does not add coverage for anyone.
Just to follow up with this, my paperwork from State Farm came in the mail today. It says "Additional Insured--Special Event Endorsement" and covers the 24 hour period of my wedding, 500K coverage for $35. So there you have it. Apparently the person I spoke to didn't know what they were talking about with the "certificate holder" stuff, and we have established this is all Greek to me, but luckily the insurance company knows what they are doing.
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Our reception location requires us to secure liability insurance for the night of our event. Has anyone else had to do this? Can you recommend an insurance company that does this? My homeowners insurance does not provide this type of coverage, but recommended an online company. Just wondering if anyone else had done it this way?