Pennsylvania-Philadelphia

P.O.'ed and long!

So our venue recently told us that our vendors need proof of insurance...(which i understand). But our dj which is a family friend and who we already booked with a nonrefundable deposit (months ago) does not have insurance. So the venue says they cant allow him as our dj. Well I flip out becuase before even signing the contract we met with two different people four times there and never once was this (vendors needing insurance) ever mentioned. Not only that but in our contract there is nothing mentioned about this either. Im just mad because i just found this out , that the vendors need insurance, dont you think they should tell you this before people start looking at vendors....like seriously i've been back and fourth waiting for answers and i finally had enough today and i emailed the wedding cord and ask her what was the status on the dj issue ( i asked if we could write a waiver of some sort and have the dj sign and i would get noterized) she said she would check with her manager (which she told me over a week ago also). So she emailed me back saying she spoke to the gm and there is nothing they can do...well i flipped ! we are putting over 16k into this place and now they r going to say we cant have the dj we want (keep in mind all this would have never happened if they told us in the begining or at least in the contract the insurance ting). So I emailed them saying basically I think they are at fault and so now im out of money on the dj, and are they going to pay me back the money i put down on the dj already and i also said something along the lines of looking into other places. It really isnt about losing the money on the dj at this point its the principal... so i just got a voicemail from the gm saying maybe we can work things out etc...  I havent called back yet probably will tomorrow. My fiance is also p.o'ed.... are we over reactng ? Please be honest !

Re: P.O.'ed and long!

  • amy727amy727 member
    Sixth Anniversary 1000 Comments
    edited December 2011
    Are you positive it isn't in your contract?  If it isn't in your contract I would fight it. 
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  • edited December 2011
    its def not in the contract my fiance and i checked... 3 times ! ! ! !
  • amy727amy727 member
    Sixth Anniversary 1000 Comments
    edited December 2011
    Did you bring that up to them?  I would tell them that after you signed your contract you booked your DJ.  I don't understand how they can just change that after the fact.  I would also be mad.   
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  • edited December 2011
    yes we did bring it up to them... and they still said that there is nothing they can do. so i said maybe we will just look into another place and thats when the gm called me
  • angel33284angel33284 member
    100 Comments
    edited December 2011
    Look into getting your friend business insurance. You can probably find some rates for a couple hundred bucks. And since the hall never told you about this I would try and get them to compensate you somehow. They'll be more willing to give you something for free than to just deduct it from your bill. Maybe squeeze in a few rooms for family and friends. Maybe you can get a couple extra food at the cocktail hour.

    Keep us informed. It sounds like this Courtyard Marriott is a real nightmare to have a wedding at. I remember you had an issue where they wanted to charge extra for colored napkins. WTH?
  • edited December 2011
    Angel's right, you can purchase a one day event insurance. Our venue requires the liability insurance too and there was a videographer that we liked and didn't have it so we looked into it. From what I remember it was about $200. The videographer was a little above our budget though anyway, so we went with someone else.

    I also think that maybe the venue will give you something to compensate for the money you would have to spend on that. It really sucks that no one had told you about that before you looked at vendors so I agree with you that they are at fault. I checked the contract for my venue, and it's not stated on mine either, but at least they told us multiple times that it is a requirement.

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  • Bean32Bean32 member
    1000 Comments
    edited December 2011
    If you have homeowners insurance, you can usually tie one day event insurance to it for little or nothing (a friend has to do this for the caterer for her wedding and her's is free).

    I agree that if it's not in the contract, the venue is at fault. Get them to give you something - even if the insurance ends up being free, you should still get something for going through the hassle.
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  • edited December 2011
    Whoa... I would definitely be calling around to different venues, writing a letter to corporate, (with a copy of the contract attached) and if they continue this, possibly contacting news authorities. I agree with the home owners insurance for the 1 day, or even budgeting vendor insurance for a day for the dj if you're absolutely in love with this place, or if they won't give you a full refund/extra goodies for having to pay for this insurance. :( Sorry you're having to go through this, hon!
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  • ButtonsPepperButtonsPepper member
    2500 Comments Combo Breaker
    edited December 2011
    I'd ask the venue to pay for your friends dj's insurance, it is their fault if they didn't put it in the contract. Weeks before the wedding (mabe three months) they said the same thing to us, but all of our vendors had insurance so it wasn't a big deal. G/L!
  • edited December 2011
    If you are serious about changing venues I would demand your deposit back since they breached the contract by attempting to enforce terms that were not in the contract. However, I think every single venue I looked at required the vendors to be insured. So you may be stuck paying for the insurance anyway. Have you talked to the DJ about this? He has never had to produce proof of insurance? Maybe convince him to get insurance, it will help his business by opening up the number of venues he could play.
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  • LadyJ10LadyJ10 member
    1000 Comments
    edited December 2011

    That sucks that they weren't up front with you about the requirements for your vendors! I would definitely ask for some upgrades/extra since it is clearly not in their contract (which they need to fix).

    If you can't tie it in to your Homeowner's Ins, your best bet is to find TULIP coverage -- Tenants' and Users' Liability Insurance Policy. Many insurance companies offer this, and since it's just for one vendor instead of a whole bunch of vendors, it will be less expensive than whole event coverage.

    Having worked with events in the past, I know it's a PITA that venues require this, but it's really important as the vendors you bring in aren't covered under the venue's insurance. So if something goes wrong with, say, the DJ equipment, and there is damage to the property, their insurance doesn't cover it. I've had to get TULIPs for any number of events, and I've never had to pay more than $200 for a DJ for an event. If you just do a quick google search, you can get quotes from a number of companies.

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  • edited December 2011
    I totally get the insurance  and why its needed. But tell me before i book the dj. I did say why dont they write up a waiver of liability for the dj to sign and i will personally will get it noterized or whatever. And they still said they cant do anything about it. But since i said we will look into other venues now i have the manager calling me saying we can work  something out. And i did mention the rider on the insurance to the dj and he wasnt interested which i dont blame him, im not going to make the dj do extra work-money just because the venue lacked to tell me this info ! So mad !!!!!!
  • angel33284angel33284 member
    100 Comments
    edited December 2011
    Let me just point out that this whole thing could have been avoided if you'd have hired a "professional" from the beginning. I'm not trying to imply your DJ doesn't know what he's doing or isn't talented. But he obviously doesn't do weddings on a regular basis or he'd have come across this before and would have insurance already.

    This is one of the things to consider before you start looking on Craigslist for your wedding vendors. That $500 photographer, or $300 DJ may not be worth the headaches that could arise later on.

    (coming down off my soapbox)
  • ButtonsPepperButtonsPepper member
    2500 Comments Combo Breaker
    edited December 2011
    Angel - The DJ is a family friend not some random person, which IMO makes a difference.

    I hope you can all get it worked out, it has to be so frustrating!
  • edited December 2011
    Yes the dj is a family friend who has been djing for ten years now. And he said he has come across this problem once or twice before... he also said its not worth it for him to get the insurance, which i cant hold that against him , im sure he has his reasons. I called back the manager yesterday and left a message and i havent gotten a phone call back yet so we will see......ugh
  • angel33284angel33284 member
    100 Comments
    edited December 2011
    In Response to <a href="http://forums.theknot.com/Sites/theknot/Pages/Main.aspx/local-wedding-boards_pennsylvania-philadelphia_poed-long?plckFindPostKey=Cat:Local%20Wedding%20BoardsForum:105Discussion:db43e6b7-c329-4b99-b937-52349ff28128Post:d1b75b86-5ec8-4d3d-8a04-64a22bbbe75c">Re: P.O.'ed and long!</a>:
    [QUOTE]Angel - The DJ is a family friend not some random person, which IMO makes a difference. [/QUOTE]<div>
    </div><div>It would be interesting to hear why it makes a difference. Please elaborate.</div><div>
    </div><div>
    </div>
  • edited December 2011
    I agree with BP - someone off of Craigslist vs a personal friend who does something for a living being involved in your wedding are two totally different things...  

    We were going to have my moms friends husband who is a videographer for FEMA shoot our wedding video.  He is a friend of the family, he does videography for a living, etc.   Yes he's not a wedding videographer, but we were okay with that because it meant more to us to have him be part of the day - and he does awesome work.  

    Unfortunately he was going to be out of town on business that weekend so we ended up not going that route, but had he been available he would have been the one who shot our wedding.
  • angel33284angel33284 member
    100 Comments
    edited December 2011
    I understand a personal friend is somebody that you can trust, compared to somebody off of Craigslist. But we are talking insurance here. How is an uninsured friend any different than an uninsured stranger? Either way he can't DJ her wedding.
  • mlmcgrorymlmcgrory member
    First Comment
    edited December 2011
    If he's such a family friend couldn't he just give the deposit back?
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