(Closed) Horrible! Need $6 MILLION in liability insurance for ceremony :-(

posted 11 years ago in Reception
Post # 3
5920 posts
Bee Keeper
  • Wedding: December 2010

That’s ridiculous. We have to have liability insurance for our reception venue, but only $500,000.  FI’s parents are adding it to their homeowners insurance.

I’m very sorry – FI’s dad works in insurance, I will ask him tonight if he has any ideas!

Post # 4
10216 posts
Sugar Beekeeper
  • Wedding: November 2010

Can you see who they usually call for the insurance?  Usually venues can refer you to a few places.

Post # 5
18627 posts
Honey Beekeeper
  • Wedding: June 2009

I think part of it is if your guests cause damage to their facilities, not just people suing them for falling down.

Post # 6
3871 posts
Honey bee
  • Wedding: November 1999

My sister works for an insurance company, Allstate and she was telling me that regular insurance companies, like Allstate, can only insure up to a certain amount.  If you need anything bigger, you have to get special events insurance from a different company. 

For my wedding, I had to get liability insurance that covered $300,000. I was trying to get something added to my renter’s policy. You may need to get special events insurance.  It’s proably going to cost you a lot of money.

That does seem like a huge cost.

Good luck.

Post # 7
1091 posts
Bumble bee
  • Wedding: August 2021 - Oakland Manor

My dad got his for $50 from state farm (for $1,000,000).  Whoever you (or your fiance, parents, etc) have homeowners insurance with ought to be able to add it for single day.  It should be less because you only need it for one day. good luck!

Post # 8
794 posts
Busy bee
  • Wedding: July 2010

Get an event planner.  I needed insurance to hang chinese lanterns up and the venue said that most event planners/designers have this.  Check it out.  It could save you a bunch of money.  Unsure of the actual $$ amount though.  Have site coordinator speak with your prospective event planner/day of planner.  Maybe they can figure something out. 

Post # 9
3342 posts
Sugar bee
  • Wedding: August 2010

6 million!? wedsafe only offers up to 2M

Post # 11
2695 posts
Sugar bee
  • Wedding: April 2010

That is really crazy!  I had to work with our insurance company this year to get special events coverage for a two day chili-cookoff event that we were hosting one booth in.  It was about $700 for the insurance I can’t remember how much the policy was for but I don’t think it was as high as 6 Million. 

I would ask the venue who they recommend using because I would think others have asked them.

Keep us posted I’m curious to how you handle it.  Good Luck!

Post # 13
221 posts
Helper bee
  • Wedding: November 2009

That’s great news!

The topic ‘Horrible! Need $6 MILLION in liability insurance for ceremony :-(’ is closed to new replies.

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