Post # 1
Is anyone getting (or did get) liability insurance for the their reception? I do not mean in the event of cancellation, weather, etc. I mean in case something happens to someone or if a guest has too much to drink and gets in an accident and hurts someone, etc.
If you did, what insurance company did you use and is it expensive?
Post # 3
We had to get liability insurance as part of the contract with the venue. If you go through whomever you have your house/renter’s, car, life, etc… insurance with they can usually cut you a deal. We got a $100,000 plan for about $150 because everything else is bundled with the same company. It not only covers personal liability but also liabilty for the property itself, so if there was any damage to the property we’d be ok.
Post # 4
My venue requires we have liability insurance. Since my FH owns a home, he placed a one time fee event protection to his existing homeowners insurance. Its just a couple hundred dollars. I would have to ask him what the price is specifically because this is awhile ago we discussed this, and we haven’t had to re-visit it… Thanks for reminding me that we need to though!
Post # 5
Our liability coverage is covered through either our site or our caterer. I can’t remember which one, but I do know it’s in there. Check with your vendors, you may be covered already.
Post # 6
My venue has the liability insurance, and they require that ALL vendors that we use have $1 or $2 million in liability insurance as well.
Post # 7
Yes, I have that through my caterer for the alcohol portion, which is the reason I hired their bartender even though I will only have 25-40 people attending!
Our venue requires we carry liability insurance if we have alcohol and suggests that we put it on our homeowner’s insurance if it’s not available through the bar.