vendor insurance

liz1113

This may be a stupid question, but is it necessary each vendor ( ex. DJ, photographer) have their own insurance?  What and who does that usually cover?  What if the DJ or photographer get sick the day of the wedding and can't make it...would their insurance cover the cost of having to get someone else?

Thanks for any help!!!

wagnerdi

Their insurance is usually required by your venue . If they aren't a well known vendor, you may need to provide your venue w/ a copy of it.  It doesn't cover if they get sick, terms like that are usually in the contract you sign with them.  Their insurance basically covers them physically if they are injured at the venue. It doesn't cover the product/service they are supposed to provide you...that's my understanding of it.

Laurms15

That is correct (what PP said) venues usually require each vendor have insurance basically saying they won't sue the venue that they have insurance if something happens.

Your contract should state what will happen if the DJ (or whomever) gets sick.

If you want separate wedding insurance that will refund your money should someone not provide a service then you can purchase that individually. There are companies for that specific purpose. You can purchase many packages one to cover if you cancel, one if its an act of god (snow storm and so on).

inkulio73

Photography insurance covers errors and omissions, among other things.  Any reputable photographer will have liability insurance.

Heather822

In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/local-wedding-boards_new-jersey_vendor-insurance?plckFindPostKey=Cat:Local Wedding BoardsForum:90Discussion:5c727245-53db-43ab-aab1-d44facd49b25Post:129b7002-bf64-47de-9325-d216c3f2fb74">Re: vendor insurance</a>:
[QUOTE]Their insurance is usually required by your venue . If they aren't a well known vendor, you may need to provide your venue w/ a copy of it.  It doesn't cover if they get sick, terms like that are usually in the contract you sign with them.  Their insurance basically covers them physically if they are injured at the venue. It doesn't cover the product/service they are supposed to provide you...that's my understanding of it.
Posted by wagnerdi[/QUOTE]

<font color="#008080">Agreed.
Our venue requested each vendor that will work on premisis to submit a copy of their policy to them... in case they break something, or cause damage, etc.</font>

kamjht

I think Travelers Ins has wedding insurance plans which cover the money you would lose if a vendor (venue, limo, photog) cannot not perform and you have to hire replacement vendors.  I received a few brochures after attending some bridal shows, but did not purchase a policy. 

liz1113

Gotcha...makes sense now:)  Wow...this was my first time posting and you were all super quick and really helpfu...thank you so much!!!