Did you miss it the first time? That little paragraph in your venue rental agreement titled “Insurance Requirement”? Most people do. You’re just totally stoked to get that venue secured that the details become a reality later.
What are they asking for?
The venue you wants you to have a general liability policy. This is to protect you and them in case someone gets hurt or damage is done to their rustic barn because of the wedding.
What will it cost?
It will depend on the size of your wedding and the venue terms. Progressive provides a resource on wedding insurance policies that will run you $67 up to $300.
Why are they asking for it?
The venue likely has their own insurance. But, they (and their insurance carrier) would much rather file a claim on a policy in the name of the person responsible. If you didn’t realize it already, if you are the couple getting married, you’re responsible for most everything that happens at the wedding. Surprise!
It says they want to be Additional Insured. Huh?
Yep. As the Additional Insured (also Certificate Holder), the venue has protection from claims from the wedding. You can have multiple Additional Insureds. If your ceremony is happening at one location and the reception at another, there is no charge for another certificate if you use Progressive’s recommended event insurance company.
That little paragraph says “Primary and Non-Contributory wording Required”. What is that?
This is an additional policy endorsement that will unfortunately increase the price of the policy. It is typically combined with a Waiver of Subrogation. These endorsements are almost interchangeable. Basically, it means your general liability policy is prevented from seeking money from the venue even if the injury was partially the venue’s fault. You don’t want to add this endorsement to your policy unless your venue is requiring it.
Nothing is going to happen! Why do I need this?
The wedding couple whose groomsman left the plug open at the bottom of the cooler and caused $10,000 in damage to a historic hardwood floor said the exact same thing!
The bride whose uncle slipped on spilled wine on the dance floor and broke his wrist said the same thing!
You get the idea. You don’t want your marriage starting out with a financial hardship just because of an unforeseeable incident at the wedding.
If the incident is because someone drank too much, is there coverage?
Most wedding general liability insurance, like the coverage Progressive recommends, includes Host Liquor Liability which is sufficient for the wedding couple who will have alcohol at the wedding, but aren’t in the business of selling, serving, manufacturing or distributing. If you hire a professional bartender to do the serving, make sure he or she has their own liability coverage (not the same a liquor license). If they don’t, you may have to get it for them to be sufficiently covered for claims arising out of someone getting over-served.
The bartender should have general liability? Should my caterer?
Yes, any vendor who could be responsible for guest injury or damage to the venue really should have their own coverage. Some venues even require proof. General liability is all about whose fault it is. If your DJ decides to spray blue confetti while the bubble machine is going, he or she will have to cover the blue stained carpet that needs to be replaced. If the DJ can’t cover it, the venue is going to look to you for payment.
What isn’t covered by general liability at a wedding?
Be sure to read the terms and conditions which will include exclusions such as intentional injury (assault), athletic participants, volunteers, employees and auto exposures. You may also have to remove the mosh pit from your list of possible activities.
Will this Wedding Insurance cover us if we have to cancel or if something else goes wrong?
No. General Liability intends to cover injury or damage you cause to someone or something else. It does not cover things that happen to you or your stuff. However, there are policies available, like our Wedding Cancellation coverage that will reimburse lost expenses due to cancellation. It will also reimburse losses due to damaged wedding attire, presents or vendors that take your money and go out of business.
There are so many more fun and beautiful things to think about when planning a wedding. Please let us help you check this item off your list so you can move on to taste testing cake!