My wedding reception site just emailed me requesting very specific liability insurance. Help!
My wedding reception site just emailed me requesting liability insurance. I saw this post from 2007
, but I wanted to post the requirements I was given, because they seem to want more than the previous poster was asking for:
Minimum Insurance Requirements Include:
a. Comprehensive General Liability - Bodily injury and property damage, contractual liability coverage for indemnity provided under this contract and products/completed operations liability;
b. Alcohol/Liquor Liability Coverage (only if the entity, group or organization providing the alcohol is in the business of distributing, selling, serving or furnishing alcoholic beverages) - To insure against liability arising from the furnishing of alcoholic beverages to an individual that is under the legal drinking age or under the influence of alcohol; or violating any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages;
c. Motor Vehicle Liability - Vehicle liability covering owned, non-owned and/or hired vehicles;
d. Motor Vehicle Including Pollution Coverage (only if transportation, loading or unloading any commodity that may cause environmental damage) - To insure against environmental damage arising out of the use by or on behalf of the person requesting the permit, its agents and employees or owned, non-owned, or hired vehicles;
e. Minimum Insurance Limits -
• Property Damage for each Accident or Occurrence - $50,000
• Each Person - $100,000
• Each Incident or Occurrence - $500,000
(These are minimums. If higher risk activities are present or heavy equipment is used, the minimums will be higher based on probable exposures.)
f. Additional Insured - The Oregon Parks and Recreation Department and Friends of Vista House and its commission, members, officers, agents, and employees are to be named as additional insureds. There shall be 30 days written notice if any insurance changes occur including cancellation, potential exhaustion of limits, or intent of non-renewal. Failure to comply with the reporting provision, except for the exhaustion of aggregate limits, shall not affect the coverage(s) provided to OPRD or FOVH, its commission, members, officers, agents and employees;
g. Certificate of Insurance - As evidence of the insurance coverage, a certificate of insurance(s) shall be provided prior to the event. The certificate(s) must specify all parties who are additional insureds. Failure to provide such certificate may result in the event being cancelled and any deposit received being retained.
This is a wedding, not reception. No booze being served. I will call my condo's insurance next week, but I was hoping for personal recommendations, or someone to explain what I need to be looking for in a policy. They want a lot of things, and most sites I got when looking for "event liability insurance" didn't seem to cover this extensive list. Help!