All Minnesota Wedding Venues require Wedding Day Insurance
When you are getting married at a at a Minnesota wedding venue, Wedding Day insurance isn’t exactly the most romantic part of planning your wedding, but as a wedding couple, it’s critical that you protect yourself with the right special event insurance. It is good understand the different types of insurance and why they are so critical to your big day at your Minnesota Wedding Venue.
- Understanding your Insurance Options
Many couples think of special event insurance as cancellation insurance. It is important to understand the two and the fact that they are not one and the same.
General Liability Insurance (Special event Insurance): All Minnesota wedding Venues must have their own business liability and property insurance, but their insurance policies do not protect the wedding couple as the event host from liability. It protects the venue. Special event insurance primarily focuses on protecting The Bride and Groom from financial liability for accidents or damages that occur during the event itself, Such as injuries or property damage. It ensures that you are not financially responsible for accidents or damages that happen during the festivities
Host Liquor Liability: It’s important to know that property damage extends beyond the building and encompasses other items such as a drunk guest driving away and causing a car accident involving someone else’s property. What if something was damaged or people were injured? The event hosts are likely to be named as a defendant in any civil case that might arise. It is important to note that special event insurance is the only way for a couple to have host liquor liability coverage (since personal insurance policies or homeowners’ policies will not cover liquor liability), and a wedding where alcohol is served is at much greater risk for incidents.
Cancellation Insurance: This insurance protects YOU from financial losses if you need to cancel or postpone your wedding before it happens, whether that is for extreme weather, sudden illness or injury of the couple or a close family member, as well as military deployment. Most cancellation insurance policies will not cover “change of heart”; i.e., a break up or decision not to have your wedding for financial reasons. Cancellation insurance is an option that you must choose when you are completing the application for special event insurance, and one that we highly recommend to all couples.
Wedding cancellation insurance covers financial losses if your wedding is canceled or postponed due to unexpected circumstances. This includes lost deposits, payments to vendors, and other costs.
What it covers:
- Weather: Severe weather that prevents guests from attending or the wedding from taking place
- Illness or injury: If the couple, family, or vendors are unable to attend due to illness or injury
- Military deployment: If the bride or groom is called for military service
- Vendor issues: If a vendor goes out of business or doesn’t show up
- Why Do We Need Event Insurance?
Special event insurance or wedding insurance will provide you, as the event hosts, peace of mind. It’s like a safety net, allowing you to enjoy your wedding without worrying about unforeseen and sometimes unpredictable issues.
At The Round Barn Farm, we want you to have the most beautiful and stress-free wedding day possible. That’s why we require event insurance, so you know you’re protected from unexpected situations that could otherwise ruin your special day.
- Vendor Liability:
Our Minnesota Wedding venue also requires our vendors to carry their own liability insurance. This protects both the wedding couple and the Round Barn Farm from liability in case of accidents caused by a vendor. This ensures that all involved are protected and that any potential issues are handled responsibly and by the appropriate parties, versus falling to you as the event host.
- Resources and Support
At our Minnesota Wedding venue, we’ve partnered with Eventguard to offer our clients a streamlined process to get event insurance. You can find more information on their website and if you use this direct link, our Minnesota wedding venue information will automatically populate with hour insurance requirements. In just a few clicks, you will be protected, at the right coverage and required verbiage, at the very lowest cost on the market. There are also other online companies to check out such as wedsafe.com or wedsure.com to get a competitive quote.
- Cost
We understand that it is an additional cost that may seem unnecessary, but it is a small price to pay (often as low as $1 per guest) for the peace of mind it provides. Most people will not hesitate to obtain insurance for a vacation on which they’ve spent several thousand dollars, but will be reluctant to protect their wedding investment, which is often tens of thousands of dollars.
On such an important day, and with all the work you are putting into planning it, we want to ensure you are protected on your wedding day. No one wants to think about anything going wrong with their wedding, but life can be full of surprises. Special event insurance is a small investment that can make a big difference when things don’t go according to plan. From inclement weather and vendor issues to personal liability and cancellations, Wedding insurance helps you navigate the unexpected with confidence at your Minnesota Wedding Venue.
Supporting Locally owned Wedding Venues
As a Top Minnesota Wedding Venue, the Round Barn Farm is committed to raising awareness about the importance of supporting locally owned wedding venues. They tend to have little to no turnover, they support the local economy and they are part of the community.. We’re excited to give a big shoutout to some of our incredible venue owner colleagues across the nation. If you’re planning your big day, consider choosing a locally owned venue—find some of the best through the Wedding Venue Map.
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