For Wedding Planner, start with the plan to define the wedding planner's services for the couple and the responsibilities of the contracted service provider. The reviewer should also resolve this operating question: Which party has responsibility to define the wedding planner's services for the couple, and how is that role reflected in the application? This guide does not supply a verified average price for the event. Obtain actual quotes based on the same operations and requested terms, then compare total premium, fees, exclusions, limits and rating assumptions.
Which separate coverage question belongs in the budget?
Review the host’s insurance and each vendor’s business insurance separately. The organizer’s policy should not be assumed to cover a hired business’s independent work; compare the contracts with both policies. Event Helper addresses separate insurance for vendors. Tie the response to the plan to define the wedding planner's services for the couple.
Which limits and deductibles should I compare?
Compare per-occurrence and aggregate limits, sublimits, exclusions and deductibles separately. A $1 million occurrence limit with a $2 million aggregate does not provide a $2 million occurrence limit. Ask which period and covered payments the aggregate addresses. The Hartford explains liability limits. The Hartford’s glossary also explains deductible terminology. Identify which agreement assigns responsibility to identify coordination across rehearsal, ceremony and reception and which party controls the activity area.
Whose role needs to be described before coverage is discussed?
Start with the contracted service provider, then identify the other people involved in the work to identify coordination across rehearsal, ceremony and reception.
Prepare the activity plan and discuss this question: What additional facts are needed to identify coordination across rehearsal, ceremony and reception, and which related participant, property or service exposures need review? If a person has more than one role, describe the actual duties rather than choosing the most convenient label.
What can make two quotes difficult to compare?
In another hypothetical, the contracted service provider has an agreement to separate professional errors from physical vendor operations. The other organization sends new requirements shortly before access begins, asking for additional insured protection and confirmation of the activity description.
Separate the new contractual requirement from any change in what attendees purchase or receive. Both need an accurate description if both changed. Compare the amount due only after the proposed terms and the submitted financial assumptions have been checked. Compare the result with the activity plan and identify who will separate professional errors from physical vendor operations. Resolve this question using the current facts: Does the proposal reflect the real arrangements to separate professional errors from physical vendor operations, including the separate duties of suppliers and the host? See Travelers’ guide to policy evidence.
What if the planned activity changes after pricing?
Suppose the contracted service provider submits a plan to define the wedding planner's services for the couple. The team then decides to take over a supplier's physical work beyond the planning contract.
Determine whether the added activity is performed by the applicant or a separate business. Obtain the revised service description and identify who supervises the work. Review the supplier’s insurance and the applicant’s proposal separately where a supplier is involved. Apply that review to the plan to define the wedding planner's services for the couple and resolve this question using the current facts: Which party has responsibility to define the wedding planner's services for the couple, and how is that role reflected in the application? Request pricing on the corrected description, using the same requested limits and terms for each comparison.
What should I verify when the location changes?
In particular, state who will separate professional errors from physical vendor operations at the revised location and who can confirm the site arrangements.
The useful supporting information includes the activity plan. Ask the broker which documents need correction before relying on the proposal for the changed site. Request the total premium, fees, taxes and change/refund terms.
Send the current activity description and supporting documents for review. See the coverage review and the last-minute buying guide. Request a quote for Wedding Planner.
Event Helper’s overview explains the general event-liability purpose; the actual application and policy still need review.