As wedding planners, it's our duty to remind you that it is SO important to hire licensed and insured vendors. There are so many things that can go wrong, and we want you to go into your big day feeling stress free.
We understand that hiring a friend to DJ, to cater, or to plan your wedding is cost effective, but it can also bite you in the butt if not done correctly,
“Liability insurance (also known as Commercial General Business Liability) protects a company’s assets and pays for obligations – medical costs, for example –incurred if someone gets hurt on your property or when there are property damages or injuries caused by you or your employees. Liability insurance also covers the cost of your legal defense and any settlement or award should you be successfully sued. Typically these include compensatory damages, non-monetary losses suffered by the injured party, and punitive damages.” Quoted from www.mybridalpix.com
Insurance that the venue requires will not only protect you, (and your friend who got so drunk that threw a chair through the window) but also the vendors. If a photographer's camera is thrown into the lake, their insurance will take care of that, and you won't be required to provide any compensation.
Because of rescheduling and canceling over the last two years, people have been getting burned by vendors that don't have a license, and those who are not insured... it makes us so sad! So that's why we're here to let you know, that it's IMPORTANT.
Here are some tips from owner, Melissa, on hiring vendors!
-Some vendors in the industry are new which is ok, but make sure they are legitimate and have invested in being a business!
-Every year, the industry sees an incline in new vendors in all categories! So that means they book at low rates, but also cancel last minute, which leaves clients frantically searching for a last minute replacement! No one wants that... So go with someone who's been in the business, or at least has good reviews!
-When vendors have a low rate, it's probably too good to be true. We have business tax, self employment tax, employees, etc. to take care of...
-Reviews will be your BEST friend when booking vendors. Look at them in depth, even if it's a word of mouth referral.
-Ask questions! This may seem obvious, but when you've never planned a wedding before, it can get a little overwhelming. Having a planner can assist you with a list of questions that you should ask!
-More venues are changing their policies and are requiring licensed and insured vendors to provide proof that they are legitimate businesses, so make sure your vendors can provide this information.
Have any questions regarding insurance or licenses? Reach out to us!
Jubilee Weddings and Events