Hello brides as only one knows about Insurance and did you have to pay and is it in with the price of the venue I have read it. And considering some of these prices I think so trying find a venue. But if you have please tell me
My insurance was $199 through Wedsafe, which is who our venue requested we go through. Super easy online process with the venue labeled as additional insured. It was a $1 million dollar policy as their contract stipulated.
Wedding insurance is separate from the venue fee. Some venues require wedding insurance (ours does and we went through Wedsafe). Others don't, but encourage it in case anything happens. You will not find an insurance policy that protects against COVID at this point, but insurance can help protect you if anything is damaged at the venue during your event.
Most venues require insurance and it is not included in your venue fee. I believe we paid around $200 for our insurance policy. It covered a wide range of things and, to us, was worth the money.
Many venues require insurance for liability and damages. WedSafe and The Event Helper are two options, and I have heard of couples purchasing additional personal liability insurance through their homeowners insurance, but when I asked our insurer they said that wouldn't cover a wedding at a separate venue. Cost is typically $100-$300 but it can depend on the size, duration, and location of your event, as well as other factors (like if your venue has a pool, if there are live animals, etc).
Definitely ask your venue if they require the event insurance. If they do, they should be able to direct you where to go. If they don't require it but you still want to look into it, I'd Google "wedding insurance". You'll get a few options that way.
Our venue requires $1 million in coverage, and it was in our contract when we signed. My fiancè's insurance company that he uses for everything else offers it for $400, so I believe we will be using them. Our venue also had a person they suggested in case we didn't know where to turn, so if your venue requires insurance they might be able to suggest someone as well.
I have insurance with Progressive, so I purchased event insurance through them. It was only $120. My venue requires it if we want to have the reception outside on the patio. It's a beautiful stone patio, but since it's not a smooth surface, it is considered a safety hazard. Basically, I had to rent a dance floor or purchase the insurance. The dance floor was going to cost me a minimum of $350, so I saved quite a bit!