Vendors: Workmen's comp. & Liability Insurance???

kivastewart

Just got my contract for my wedding venue. Have been reading it and it says that I have to provide proof that all of my vendors have insurance/workmans comp. Does that mean I have to get insurance for them or just ask each vendor for a copy of their insurance?  Another part of the contract says that the comprehensive policy of general liability insurance must name the the venue & myself as additional names insured. How does this work?

goaliegirl

Our venue had this written in the contract as well, but we were never asked for it.  Most likely, your venue will be familiar with your vendors and it won't be a problem, and if you are using common vendors they definitely have this stuff.

CM1206

Most venues require insurance proof from vendors. If drunk Uncle Tom trips over the DJ wire and the DJ doesn't have insurance, he can come after the hall and you and your FI.

JeannineG122

The vendor should call their insurance company and have a certificate of insurance sent to your venue.

CM1206

Yeah, I did nothing for it. I contacted my vendors and told them my venue needed proof. They did everything.

Laurms15

Let the vendors know the wording in the contract and they should easily be able to provide it. Some venues are stricter then others about collecting the certificates.

uppereastgirl

My venue required it but didn't ask for certificates.  I'd just make sure all of your vendors have it.  Those who are just starting out may not.

kivastewart

Thanks everyone! I'll pass the information on to the vendors and ask them to handle!

capecod1986

Make sure your vendors really are insured and just don't tell you they are and then they hope for the best.  Mine emailed me a copy of the policy. Like it was said earlier, if they are not insured and a guest trips over their equipment or whatever, the guest can sue you the bride! And not because the guest wants to, but their medical insurance won't cover a dime and makes them go after you. This is precisely why you never want to hire the college kid with no experience and no insurance to be a vendor at your wedding. You may save a few bucks, but if something happens, you could lose a fortune.

acablitas

Ask your venue what kind of documents you have to provide.  Our dj automatically gave us a copy of his liability insurance certificate in case our venue needed it.  

And, when I asked our sales guy if we needed to bring insurance certificates, he said no.

Definitely ask your venue first because they'll tell you exactly what you'll need.