Before you sign that venue contract, ask these five critical insurance questions.
1. What are your insurance requirements?
Get the EXACT requirements document. Don't assume. Requirements vary wildly between venues.
2. Do you require additional insured status?
Almost always yes. Know the exact legal name and address to list.
3. What coverage limits do you require?
Requested limits vary by venue, municipality, attendance, operations, and underwriting. Use the written requirement rather than assuming a standard limit.
4. Is liquor liability required?
If alcohol will be served — even BYOB — you likely need it.
5. When do you need the certificate?
Plan for 2-3 weeks before. Rush fees exist. Don't wait.
Bonus: Get It In Writing
Email the venue and get written confirmation of all requirements. This protects you from last-minute 'surprises.'
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