Post # 1
im diy-ing a lot for my wedding although i have a decent budget given by my fiance, but i just dont see myself spending so much! im just brainstorming my options and ive read i should have event insurance if im doing the bar myself. does anyone have experience with what i should look for and an idea of how much this will cost??
Post # 3
Are you having bartenders? If so, their liquor license may cover it. If you are not, you should look into your local ordinances about providing liquor (I live in DC, and I’d have to get a liquor license to serve that many people) – those ordinances might require you have event insurance.
Regardless, it can’t be bad to have extra insurance in case, Heaven forbid, there is an accident stemming from drinking. If you serve alcohol, though, you are legally responsible for the consequences. (Meaning, if you leave my Super Bowl party Sunday night and get in a car accident, I am legally responsible for your part in it because I provided you with the alcohol).
Post # 4
We got Wedsafe and I just checked what we paid for it. IN ’09 and ’10, we paid $180. for a liability policy that covered many things. I think it was worth it for the cost.
Post # 5
Wedding insurance is not expensive at all. The purpose is to protect your investment into your wedding against unexpected situations such as illness of either of you or your children or parents, or of course mother nature with all of the tornado or hurricane or snow storm.
You should first check with your current insurance company to see if it’s something they offer, there may be a multiple policy discount that can be applied.
Secondly, if you have to get a stand alone policy it shouldn’t cost more than $200. to cover your entire event.
Just like any Health Insurance, Car Insurance, Home Owners or Renters Insurance policy, it’s something that no couple should go without.
Post # 6
thanks for the responses! im not having a bartender, i am however having a catered meal but its just mains and hot sides. i really wanted to put a personal touch on food so im providing a lot of other sides,soups, and sweets. im having a basic bar set up. i know the food i provide wont be covered by the caterers insurance but i dont want someone risking getting sick or burned or driving drunk and getting hurt. plus the thought of my little kids around hot food stuff…omg freaks me out.