Why Hiring Professional, Insured Vendors Matters for Your Wedding or Event
Planning a wedding or special event comes with countless decisions—but one of the most important (and often overlooked) choices is hiring professional vendors who carry insurance. While it may not be the most glamorous topic, vendor insurance is a major factor in ensuring your event runs smoothly and safely.
What Does Vendor Insurance Even Cover?
Vendor insurance typically includes general liability insurance, which protects against damage to property or injury caused by the vendor's services or equipment. For example:
A DJ’s speaker accidentally falls and breaks a venue window.
A caterer spills something that causes a guest to slip and fall.
A florist damages the venue walls while setting up a large installation.
When vendors carry insurance, they cover the cost of those accidents, not you, not your venue, and not your guests.
Why It’s Crucial to Choose Insured Professionals
Protects You From Liability
If a vendor causes damage or an accident and they don’t carry insurance, the responsibility could fall on you as the event host. That’s a financial and legal risk no couple or event planner wants to take on.
If a vendor causes damage or an accident and they don’t carry insurance, the responsibility could fall on you as the event host. That’s a financial and legal risk no couple or event planner wants to take on.
Shows Professionalism and Accountability
Vendors who invest in proper insurance are serious about their business. It shows they’re experienced, prepared, and care about protecting their clients and their reputation.
Vendors who invest in proper insurance are serious about their business. It shows they’re experienced, prepared, and care about protecting their clients and their reputation.
Required by Most Venues
Many venues—including ours—require all outside vendors to carry liability insurance. This isn’t a suggestion; it’s a safeguard for all parties involved.
Many venues—including ours—require all outside vendors to carry liability insurance. This isn’t a suggestion; it’s a safeguard for all parties involved.
Peace of Mind on Your Big Day
You’ve spent months planning your event. You shouldn’t have to worry about "what-ifs" with every vendor you’ve hired. Knowing your team is covered helps you relax and enjoy the celebration.
You’ve spent months planning your event. You shouldn’t have to worry about "what-ifs" with every vendor you’ve hired. Knowing your team is covered helps you relax and enjoy the celebration.
Questions to Ask Your Vendors
When vetting vendors, don’t be shy about asking:
Do you carry general liability insurance?
Can you provide a certificate of insurance (COI) listing our venue as an additional insured?
What other coverage do you carry?
A trustworthy vendor will have no issue answering these questions or supplying documentation.
Bottom Line: Hiring insured professionals isn’t just a checkbox, it’s a critical layer of protection that ensures your event runs smoothly and that everyone involved is covered if the unexpected happens.
Looking for insured, experienced vendors? We’re happy to provide recommendations.