(Closed) Event insurance for the wedding day?

posted 6 years ago in Reception
Post # 3
Member
4 posts
Wannabee
  • Wedding: September 2012

Hi there-

I had to get event insurance/liability insurance for my upcoming wedding. I was able to go with any company, so I went with my insurance (USAA). We had to get a 1,00,000 (that’s right, one MILLION) dollar policy to cover damage to property, alcohol related mishaps, etc. It ended up being around $175 flat rate. Hope this helps!

Post # 5
Member
3569 posts
Sugar bee
  • Wedding: April 2013

We were told to get one too for a Million dollars also! We asked around seems that it the norm and most places has it listed in their contract. I think they should have told you sooner. I don’t think it’s a long complicated process, but we haven’t done it yet. Good luck! I would annoyed also if they told us a month before when I’m sure we would be super busy.

Post # 6
Member
3081 posts
Sugar bee
  • Wedding: August 2012

Try wedsafe.com too, they’ll give you a quote right there depending on the specifics of your wedding. It seems a little silly that they wouldn’t have told you until now. 

Post # 7
Member
2999 posts
Sugar bee
  • Wedding: May 2013

Try Travelers wedding insurance. You can buy a policy straight from their website. Also, an independent insurance agency may be able to write you with a company which specializes in event insurance.

Post # 8
Member
7431 posts
Busy Beekeeper
  • Wedding: October 2009

If you have a renters or homeowners policy, you could get a one day special event coverage under your policy (not sure if all companies do this). It would be much cheaper than going with wedding insurance

Post # 9
Member
2999 posts
Sugar bee
  • Wedding: May 2013

@MrsSl82be:  This can be possible but generally doesn’t work. You’d have to take a good look at what the homeowners will cover. There can be many gaps between it and what the venue wants the policy to cover.

OP, did the venue give you specifics on what to cover? Ex. An art museum usually calls for $1mil+ liability and prop damage.

Post # 10
Member
214 posts
Helper bee
  • Wedding: June 2012

Our venue also requires this-I think it’s the norm.

Post # 11
Member
7431 posts
Busy Beekeeper
  • Wedding: October 2009

@jpalm13:  <~~ insurance agent. I used to do it for the company I worked for, and it covered pretty much anything that could happen, except stolen gifts. Its as simple as asking “what’s covered and not covered” when you call your agent

Post # 12
Member
2335 posts
Buzzing bee
  • Wedding: November 2012

I have to get liability insurance for 1 million, too.  The venue recommended using the city’s insurance but I’m using my bank- it was $100.  That number excludes liquor liability, which would have added an additional $75 but the caterer is covering that.

Post # 13
Member
270 posts
Helper bee
  • Wedding: October 2012

We had to have event insurance but when I called my homeowners agent he said that was included in my insurance already so all I had to do was send my venue a copy of that page. Our coverage is $300,000 which was fine with my venue.

Post # 14
Member
12953 posts
Honey Beekeeper
  • Wedding: November 1999

We are also required to have a $1 million policy for the day of the wedding.  It shouldn’t be too hard to get!

Post # 15
Member
2866 posts
Sugar bee
  • Wedding: June 2014

@MrsSl82be:  Agent here too and I agree. OP call your agent and see, it’s worth a shot and could save you the hassle of having to buy anything. 

Post # 16
Member
2999 posts
Sugar bee
  • Wedding: May 2013

@MrsSl82be:  HAHA I am! In my area, most venues had the 1mil minimum. Who did you work for? I’m an independant.

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