Event insurance is required for all events booked at Highland Oaks Weddings and Events. Once your policy is purchased, no additional action is needed from you. The policy documents are sent to us automatically.
How It Works
- You will receive a text, then an email, then reminders from Nuptial with the link to purchase the approved policy.
- When you begin the application, your role in the event is the “Organizer/Host” and you are completing the application on behalf of “Myself.”
- Choose your wedding date and any additional rehearsal or setup days. There is no cost for additional days.
- Estimate your guest count (roughly 80% of invited guests).
- Use your current legal name as listed on the rental agreement (usually the bride).
- Highland Oaks automatically receives a copy when you purchase through our link. No further action is required by you.
- This policy meets all of our contract requirements: $1M coverage, host liquor liability, primary and noncontributory language with waiver of subrogation, and all additional insureds per the contract.
Note: If you are having sparklers at your event, you must indicate that in the application so that coverage will apply. There is no additional cost.
Frequently Asked Questions
Am I required to purchase event insurance? Even if it’s not a wedding and/or there’s no alcohol?
Yes. Our contract requires clients to be responsible for a lot of things. Because of that, we’ve specifically tailored this policy so that you’re able to meet those obligations without concern.
Can I purchase event insurance from another provider?
No. It is mandatory that you use our provider, Nuptial.
I can find this policy for less elsewhere online. Why is this more expensive?
Our requirements are very specific. The other policies you’re seeing online don’t contain the language we require. Part of the reason Nuptial offers this as a service to both of us is so you can meet those requirements at as low a cost and as easily as possible. The other reason is so you’re guaranteed to have the right coverage to take care of your obligations in our contract.
What’s the policy deductible?
$0. By design, this policy is meant to protect you and your event and ensure that everything goes well, even if it isn’t to plan.
Do I need to email you a copy?
Not at all. When you purchase, we automatically receive the necessary documents.
Since I have event insurance, my vendors don’t have to be insured, right?
Your event insurance protects your interest in hosting the event, not your vendors. We can discuss which vendors are, or aren’t, required to have their own coverage.
Can’t I just add my vendors to the event insurance?
No. This policy is designed for the host of an event, not someone who is a caterer, bartender, DJ, or photographer. Think of your event as a business. Your business is hosting an event, and your vendor’s business is being a florist or baker. Because of this, your policy isn’t designed to cover those things.
Will this policy protect my investment if we have to cancel?
The required coverage will not, but you can add an optional “Cancellation & Postponement” coverage inside of Nuptial’s application, which is based on your budget. Some examples of when coverage would apply would be for things like illness or injury, natural disaster, death or disability, or call to military duty. COVID is excluded, as is change of heart.