Do you need liability insurance for a wedding reception?

Answer 1

The reception hall and/or caterer will likely require it, and it is the responsible thing to do anyway. You want to be protected in case someone get's hurt at the reception or in case a guest damages the property or hurts another guest, etc. Check your homeowners insurance or renters insurance policy (call your agent to confirm). These policies include personal liability insurance, and it may very well extend to cover a party you have at a location other than your home. You may need to buy an endorsement to your policy for the specific event. The cost for this will be nominal.

Answer 2

You don't have to have it, but it's a real good idea. What if somebody gets drunk and has an accident on the way home? Or if they damage property at the reception hall? Or get in a fight and cause injury? Etc etc etc. Because the reception hall can actually sue YOU.

Answer 3

The place you have the wedding/reception at should carry the insurance.

Answer 4

If you are the company hosting the reception yes you should in case someone gets hurt; however, if you are the bride/groom doing the reception then the place that you have it at should have insurance.

Answer 5

Most sites require at least a $1 million dollar insurance policy for the day. Just call the company you go through for your homeowner's insurance and it usually runs about $200.

Answer 6

in case you placed your motorcar or residential coverage with the help of an coverage broking service, then bypass decrease back to that similar broking service and tell them you want an "adventure criminal duty" coverage (direct writers do no longer attempt this variety of coverage, so in case you went with the help of a correct away author haul out the phone e book). This coverage will cover an adventure with or without liquor criminal duty. this variety of coverage can very last from quicker or later to various days. The proper type for this variety of varies via the undeniable fact that is tormented by technique of such issues as: the type of adventure (i.e. wedding ceremony, carrying adventure, charity live performance, commerce coach, and so on); the type of human beings attending; even if adventure is open to the familiar public; if some thing is being offered on the shape; even if liquor criminal duty is needed. I actually have offered this variety of coverage for $one hundred fifty (which includes liquor criminal duty) for a small, inner most party (decrease than one hundred human beings) and that i have offered this variety of coverage for $a million,one hundred (4 day performance artwork pageant which become open to the familiar public the position alcohol become offered), so as you'll locate the cost can variety. word that except that is a small party (i.e. decrease than 30 human beings) and no alcohol is being offered no own lines insurer might want to enhance criminal duty to conceal this variety of adventure. that is too tremendous a probability for a own lines insurer.

Answer 7

Usually the cost of the hall rental would include the cost. If it doesn't, you should get a "special events" policy that includes Host Liquor Liability. It costs around $500.

Answer 8

Have each guest sign a waiver stating they are responsible for there own damages caused by the excitement. It's really not a bad idea to look into it, depending on how much alcohol is being served and the type of people attending. I've seen guests catch fire to things before, and even break windows...(LOL).

Answer 9

I don't think so but the trick is don't invite people who would sue you. I wish I took insurance out on my marriage in general.

Answer 10

if you do it in a State park or garden of some sort YEs you Do, ususally the caterers or party planners carry liability