Do you need liability insurance for a wedding reception?

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Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more!

If you need the liability insurance please look at your home owners insurance to see they have a place for you to put it on your house. Look under your General Liability and where it has open spaces put Premises & Operations,and if you are going to have alcohol you will need a permit for that and insurance will probably be added to your home owners insurance if not please feel free to contact me Thank you

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You can get a special event policy for under $300 depending on the size of your wedding and the budgeted cost. The best company I have worked with is Abacus Insurance. You can also get cancellation coverage. If the wedding is canceled due to weather etc, this ensures a refund of your deposits and some other coverage.

FYI-during my insurance classes my teacher told me of a wedding he attended where a woman got drunk left the wedding and was in a car accident. She sued the parents who hosted the wedding and won a million dollars. Be careful! Frivolous lawsuits have become a big part of our society.

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In certain jurisdictions, such as in Canada, the law is quite clear. If a host allows a guest to drive away intoxicated, the host shares the criminal responsibility for the resulting accident, and can be charged with criminal negligence if anyone is injured or killed by the drunk driver.

Dry weddings are now the norm here.

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You refer to the lawsuit where the woman won a million dollars for her injures from leaving a wedding drunk as frivolous. Obviously it was not frivolous or the jury would not have awarded the damages, it must have been very serious and meritorious to have concluded that way. All the more reason for hosts to be careful, a truly frivolous lawsuit would have wasted some of their time & money, but the serious and meritorious lawsuit can cost you a fortune!

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First answer by Chris. Last edit by Sdresh. Contributor trust: 877 [recommend contributor]. Question popularity: 238 [recommend question]