A Stupid Question, I'm sure... (Venue Insurance?)

Ours requires vendors to have insurance, and vendors know what to send. I'm not sure if that's what they meant, but I haven't heard yet that venues require you to have it.

It's event insurance. That's scary- because it means the venue's insurance is insufficient! I'd call the guy back and ask who he would recommend. But I'd look up event insurance policies. They usually aren't expensive, but it's something you didn't put in the budget...

But at the end of the day- that means the veue doesn't carry the proper insurance for being a venue.... Not a good idea!

Our venue requires us to have a rider on our homeowners insurance (well, not ours, my parents' since FH and I don't own a home). Most of the venues in my area require this. Perhaps this is what your venue wants? If I were you I would call your venue and ask them to clarify exactly what they want you to have and why you need it.

Yeah, I'd double check with your venue. They should (and in most states are required) to have full coverage and not require you to have it. In CT, where we're getting married, the venue and all the vendors must have the insurance certificate and full coverage. We only have insurance to cover the wedding if something happens and it's cancelled. And that's not a requirement, it's up to us. Check with your state laws about vendor insurance. You never know, you might be required to have your own too on top of the venue.

Since we provided the alcohol and brought in outside caterers, and rented only the building, We had to purchase insurance so if someone hurt themselves and tried to sue us, we were covered. I would call the venue and as exactly what kind of insurance you're suposed to get. We were covered up to $1M

They probably need it due to the fact that it's a catering service and the "venue" is actually a lobby to the building, they don't own it, so I could understand that and I think it's for any damages that may occur to the place, but then again what do I know? I wouldn't know where to get it or what it would cost. I guess I will check for his reccomendation.

Google is generally a good way to find alot of stuff, but if these people have done weddings before they know where to get insurance, ask them. It is the best way to gague how much they will help you durring your wedding planning process too. If they help you and work with you thats definately a good thing. If they blow you off and never get back to you.. id say... really big red flag

I second google. I have no idea why Geico could not put me in touch with anyone for event insurance, as we have our car insurance through them. So went to a company that specializes in event insurance.

Like FMS, I too am bringing in alcohol, outside caterer and am just renting the building. The stipulation for holding our even at the building was third party insurance incase we have a silly guest hurt themselves. We requested $3 million just to be safe, as if something drastic were to happen...and to a number of people. It cost us $230.00.

There is wedding insurance. Wedsafe.com and a few others, or your homeowner's/renter's provider may have an option.

Also, be careful of your vendors. I recently talked to one bride, and one of the other photographers she interviewed required the couple to carry insurance for the photographer. This should throw up red flags if a vendor asks YOU to carry insurance for them.

Matt P. has a good point. There is a difference between insuring a vendor's equipment against damage / liability that you or your guests are responsible for, and insuring against damage the vendor (or its employees) may do. You should insure against the former; the latter is the vendor's responsibility.

We're using wedsafe. If you go to their website, it gives some detailed information about what they offer

link: http://www.wedsafe.com/

Oh yes, so far my photog and dj have their own insurance.. I guess that's why I'm confused about having to get insurance, but I'll clarify exactly.. Thanks for the help!

We have to provide insurance too. i believe the cost isn't more than 200.00.

I need to start getting some good rest.. They are fully insured.. I think I got it mixed up with the park venue we were interested in.. I am going to have an ulcer by the end of this planning and all because I keep freaking myself out.

My venue didn't require me to have insurance but states in its contract that they are not responsible if something were to happen. I purchased my wedding insurance through Travelers at www.protectmywedding.com

I'm surprised the venue asks you for insurance. What they're PROBABLY (and I don't know for sure, so ask them) want is liability insurance. As a vendor, we get asked to provide proof of liability occasionally. This is who covers us. http://www.beyerinsurance.com/default.aspx I don't know if they'd write a liability policy for you. A one-day event policy will cost roughly $200.

Yea I called the guy yesterday and I was mistaken. They don't need anything from me, I think I was confusing that policy from another venue we were looking at before. But thanks

Our venue requires us to add event insurance to our homeowners policy. We aren't using an actual wedding venue, it's just a general space that people can rent out for whatever reason. It isn't expensive it's just something that some venues require.