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Liability insurance

posted 3 years ago in Legal
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    1.
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    154 posts
    Blushing bee
    sphbride    August 8, 2010   Seattle

    Our venue is city owned and they required that I (personally) have a $1M liability insurance and add them to the policy. 

    I found out my home insurance company doesn't offer this.  (Maybe I am not phrasing the question correctly there?)

    Somebody who answered this thread said she got it for less than $10 by adding a rider to her home insurance.  Has anybody else gone through that route, if so, what insurance company do you have? 

    http://www.weddingbee.com/2007/05/17/open-question-liability-insurance/

    I'd rather switch my home insurance company than to have to pay $250 for a wedsafe 1 day policy.  Any sugestions?  Thanks!

     
    2.
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    Busy bee
    JCM9608    September 6, 2008  

    Our venue is also government owned and requires that we have liability insurance; they offer it to us for $1 per guest attending.

    You may want to check up with the venue on exactly what specific coverage you need outside of the value. It may end up being easier going through wedsafe.  

     
    3.
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    Worker bee
    May08LBI    May 23, 2008   Bonnet Island Estate, Long Beach Island, NJ

    I had to get a policy but we were advised to get it through Wedsaf. I think it was $195 for $1mill of coverage.

     
    4.
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    Blushing bee
    daydreamer33    6/2/01  

    I used to be an insurance agent for AAA and we would provide event liability coverage on a per-event basis as a rider to the policy. It was not an extra charge but the liability would match whatever you were already carrying on your homeowner's policy so in your case, you would have to up your liability coverage to 1mill if you're not carrying that already (the cost to increase liability is normally pretty minimal though). However, AAA would not provide this rider if any alcohol would be served at the event which can be difficult for weddings to meet. This may just be a AAA policy, but it is something to be aware of.

     
    5.
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    Blushing bee
    sphbride    August 8, 2010   Seattle

    Thanks everybody! daydreamer33, they require a $2M alcohol liability.  So looks like it won't work w/ AAA either :(  I do have car insurance through an AAA agent but the company is Progressive, and Progress doesn't even offer home owner's insurance.

     
    6.
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    Helper bee
    Anti-Zilla    Civil: 11-4-08 / Church: 8-8-09   Civil: Hawai'i / Church: Long Beach, CA

    try travelers

     
    7.
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    Helper bee
    Amy       New York City

    travelers is probably in the $150 to $200 range for just liability insurance.  www.protectmywedding.com

     

     
    8.
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    384 posts
    Helper bee
    Anti-Zilla    Civil: 11-4-08 / Church: 8-8-09   Civil: Hawai'i / Church: Long Beach, CA

    try fireman's fund too  

    http://www.firemansfund.com/servlet/dcms?c=personal&rkey=31  

    You can tailor your policy "à la carte" to fit your needs and the occasion. Choose from each of nine coverages and pick the limit you desire for each one. Options include:

    • Liability insurance- Required by nearly all prestigious venues; most homeowners policies do not cover outside events
    • Cancellation- Pays up to the limit selected for nonrefundable expenses
    • Weather- Available for policies purchased 14 days or more before the event
    • Photography- Pays costs incurred to retake photographs if the photographer fails to appear or if the negatives are lost, damaged, stolen, or not properly developed  
    • Gifts, special attire, jewelry, rental property damage- Pays to repair or replace such items if they are lost, stolen, or damaged

    New features include:

    • Instant online purchase through your independent Agent or through our program administrator for more than 15 years, <font color="#537757">R.V. Nuccio & Associates</font>
    • As low as $95
    • Change of heart*- Recovers expenses if the bride or groom experiences cold feet during the planning process, subject to limitations; must be purchased by the person who finances the event, not the honoree(s) 
    • Loss of deposits- Refunds lost deposits if venues or professionals (e.g., caterer, disk jockey) fail to provide services 
    • More international destinations- Covers destination weddings in Canada, Puerto Rico, the British Isles and parts of the Caribbean (liability not covered in the British Isles or the Caribbean) 
    • Professional counseling*- Covers counseling needed for the emotional distress of a cancelled event, up to the chosen limit

    Attachments

    1. Liability insurance :  wedding Img L732_back.jpg (20 KB, 150 downloads) 2 years old
    2. Liability insurance :  wedding Img L732_front.jpg (20.3 KB, 154 downloads) 2 years old
     

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