Did you have to purchase wedding insurance?

krkapple

My venue requires liability insurance.  It's not that expensive, but it just seems like an unnecessary expense.  Did you have to buy it?  Who did you go through?

alschmid

We had to buy it, we went through State Farm (same as our home owners)

sboobear03

Insurance? Really? I have never heard of that.

azdancer8

I needed liability insurance for my reception venue, so I went through Wedsafe. Last year my FI and his family got snowed in one weekend last winter, and I DON"T want that to affect the day of the wedding. Since my wedding is in January, and so many of my guests are out of towners from colder climates, I decided to do cancellation insurance for the entire wedding, as well as liability for both my venues. I thought it was very reasonably priced for my peace of mind.

lcarp203

The liability insurance is the venue protecting itself.  Basically it is a hold harmless agreement between you and them.  If you cause damage, burn the place down or someone trips and falls at your event, then you are held liable.  Thus, you buy insurance to protect yourself and the venue. 

I did not have to purchase it for my wedding, however, I think that the venues are smart for requiring it.  I work in commercial insurance (the type your venue would carry on for themselves just like you would carry on your home and auto) and I thought that it was odd that they did not require us to have it.  Needless to say I did buy it because I did not need it, but would not have thought twice about it if I was told it was required.

arusso51

We asked our venue to use our proof of insurance in lieu of a cash deposit...and they accepted...just an idea so you don't have to lay out more cash than necessary right away!

Beckity

My venue requires it.  We are going through our home owners insurance company.  It is easy to add on.

LyndseylovesHugh

I did not have to, but before I got married I worked for another venue and they required it.  It is smart for venues to ask for it, and it should not cost you much, if anything at all.  I believe (and I may be wrong) that you can just add a rider for one day to your home owners or renters insurance.