(Closed) Liability insurance

posted 10 years ago in Legal
Post # 3
Member
471 posts
Helper bee
  • Wedding: September 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.  

Post # 4
Member
73 posts
Worker bee
  • Wedding: May 2008

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

Post # 5
Member
81 posts
Worker bee
  • Wedding: June 2001

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.

Post # 7
Member
383 posts
Helper bee
  • Wedding: December 1969

try travelers

Post # 9
Member
383 posts
Helper bee
  • Wedding: December 1969

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

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