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If you put the planters right next to the bar, will your caterer still consider it self-service? That way you are still getting the look, but the bartenders can be monitoring it. I think this could make it easier anyways, especially if your beer bottles aren't twist off...bottle openers can wander off quickly at parties, and the bartenders can take care of it. I agree with your insurance guy, you want to keep as much liability with the caterer as possible.
Another thing to keep in mind--would you be waiving all of your caterer's liability, or just for alcohol? You would want her to still be considered liable if someone gets food poisoning, for instance. (I'm not an insurance expert, and don't entirely know how this stuff all works, but those are just my first reactions)
You really only have two choices:
- if you want your self -serve vision and wine on the table, get your own insurance that will cover food and alcohol
- if you don't want to pay for the extra insurance, change your vision.
I would definitely ask the caterer for a copy of her policy, and have my insurance person look it over to see what they recommend.
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hello! we are getting married at home and are having a caterer who is taking care of food, bar, etc... we will have 2 bartenders tending bar serving wine, beer, champagne, and non alc options.
here's the deal: part of my "vision" for wedding (rustic, laid back, family style, FUN!) is that we have a large planter filled with ice and canned beer- next to our personalized koozies. Also, I wanted guests to be able to have bottles of red/white/whatever on table during meal.
my caterer says her contract includes "liquor liability" but recommended we take out day-of insurance (even though we have umbrella on home, we figured we'd do day-of to be extra safe). she said if i wanted any option where guests serve themselves, we'd have to waive her liability and sign that we assume it.
since we are getting our day-of which incldues liquor, i am thinking of doing this so i can get what it want :) :) i ran this buy my insurance guy who recommended leaving liability with caterer since she offers that option...
what should i do??? i feel like we'd be fine waiving (especially we're providing shuttles home for everybody), but i don't want to be insurance stupid just to get what i want.