Why Do I Need Event Insurance?

Event Insurance

From time to time, we have a couple or client ask why we require special event insurance here at Sweetwater Farms. In San Diego, most venues require it, and not just of you but from your vendors as well! Additionally, if you decide to not have your event at an actual place of business and instead look to host your event at a private property, family home or any other non business-owned space, then yes you should still be acquiring insurance for your big day!

The bottom line is, as a couple hosting the wedding day of your dreams or celebration of a milestone, special event insurance will provide a broad spectrum of protection for you. A slip and fall, damage to the venue, last minute cancelled vendor, alcohol related incident and more are covered.

Not sure where you start? That’s ok! We suggest three options to our Sweetwater Farms couples + clients. Before you start your search, make sure you have your Sweetwater Farms contract in hand! We make sure to list exactly what insurance you are required to have.

  1. Consult your personal insurance provider! For example, we had a bride work through her personal insurances provider, Liberty Mutual. Working with her agent, she was able to make sure they were purchasing the right policy and didn’t need anything else additional just in case.
  2. Check out theeventhelper.com and purchase online for your big event day.
  3. Contact us if you still have questions! Not a Sweetwater Farms client? Consult your wedding or event planner and they can help guide you with the right details to provide to your insurance company so all insurances are purchased.

Recently, one of our Event Directors from Back Patio Event Design, Laura, spoke to a dear friend whose wedding day she attended at her family owned property, which unfortunately included a guest slip and fall. The couple had not purchased event insurance and she took a moment to talk a little bit about her experience post wedding day.

Bride Confessional: Brooke

Bride ConfessionaL

Wedding Date: July 11, 2015
Location: Private Farm in Kennett, Square, PA

Did you have event insurance?

No. It never crossed my mind. The property was not mine and we did not have a wedding planner, so I assumed that anything that could happen would fall under Homeowners insurance.

What happened during the wedding reception?

One of our guests tripped in an area that was not near the reception site. The area was not well lit. She was injured badly after a trip and fall and had to be taken in an ambulance to the hospital.

In hindsight, do you wish someone would have told you to purchase event insurance?

Insurance would have absolutely helped. I was very afraid for a long time that the woman was going to press charges against my family. I am unaware of what happened because my family made a point to keep us out of it, however, it was still an extremely uncomfortable situation for me, my family and the guest.

What would you have done differently?

I would have purchased one day special event insurance for the sake of my family and my guests. The piece of mind is priceless. Something like this happening is not something I ever thought about…no one does! This is exactly why having a wedding planner is so important to help learn about all of the possible situations that can occur and ensure that your best day ever truly is just that.

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