For your wedding, did you have to purchase event liability insurance?
Okay ladies…
Which company did you go with for your wedding/event liability insurance
What has your experience been with them
How much did you end up paying
Which part of country are you (curious if the cost varies by region/state)
every venue in my area requires it.
and "da vidica"- wth are you talking about?
I'm in St. Louis, MO and the chapel we're having our ceremony in requires it because its a historic landmark. We're getting it through the organization that owns the chapel. I don't know what company they use, but it will cost us about $150 for the required $1,000,000 policy. Try asking your venue if they have a preferred company to give you a starting point.
I did not have to have any insurance but some places do require this so that if anyone is injured on the premises, they are not liable for damages, the insurance will cover it.
References :
Nope. No need for it because I'm not spending beyond my means.
References :
No, as I am unmarried, but I know that my brother did. The insurance was included in the price of the venue rental. He was married in Snohomish County, Washington. He forgot to shave before the nuptials.
References :
Didn't have it. This rates as one of the top "needless money suckers" in my book.
Look into what it covers and you'll find that this insurance is great to have in the event that you have nothing go wrong. Really, it covers basically squat. You have contracts with all of your vendors that are going to overrule every blanket contract any day.
North eastern Massachusetts – just north of Boston.
References :
We don't have to, our venue has their own insurance that covers their events as long as we stay within the parameters of our contract (which we will because other we get hit with penalties).
But I have had to buy event liability insurance for a non profit I worked with and it protected you from things like lawsuits from Property Damage, Medical Payments, Personal Injury, Tenant's Legal Liability, and Liquor Liability is optional (if there is liquor at your event).
How much you pay varied on the number of people at your event, what was being done at the event (sports/dancing/extreme skatinboarding) and if there was liquor involved. Our typical non-liquor event for about 75 people was about $500 with a deductible of $1000. It covered us for up to $1 000 000.
I live in Canada, so it may be less relevant if you're in the States, but that's my experience. Prices may be different, but coverage is likely the same.
References :
We asked about this as we looked at venues. A majority of venues required it but we found one we like that did not. They have their own insurance to cover guests/any accidents etc. We are getting married in Columbus Ohio, a large midwest city, medium on price scale.
If you have not booked your venue yet I would seriously consider trying to find a venue that does not require it. Outdoor locations often do not require it but you have to deal with weather. Try looking for banquet halls rather than wedding halls, you will open your search up to additional places – that's how we found ours. Think outside the box. Our location is actually a theatre lobby – they rent out the lobby for fairly cheap for events, when there is no theatre production. It is astoundingly gorgeous, and cheap!
We have had to be creative to avoid the "wedding industry" price markup. Whenever possible use vendors that are NOT marketing themselves to weddings specifically – our caterer charges $13 per person for a full dinner! He is an "event" caterer, does not call himself a "wedding" caterer though he will do weddings when asked.
Congratulations on your wedding, and best of luck beating the price markup industry!
References :
my own wedding planning
I'm in St. Louis, MO and the chapel we're having our ceremony in requires it because its a historic landmark. We're getting it through the organization that owns the chapel. I don't know what company they use, but it will cost us about $150 for the required $1,000,000 policy. Try asking your venue if they have a preferred company to give you a starting point.
References :