Why Requiring Liability Insurance from your Renters Is a Must-Have for Your Venue

It’s the end of a perfect night. The music fades, guests trickle out, and you’re finally able to breathe. Then you notice it: deep scratches across the dance floor, a broken window near the bar, and a smashed decorative urn.

Sound familiar?

These are the real costs of hosting events—and they add up fast.

While dramatic injuries grab headlines, the most frequent and expensive issues venues face are from property damage: scratched floors, stained furniture, cracked décor, broken fixtures, or even a fist hole punched in a wall. And if your renters don’t have liability insurance or their security deposit is insufficient, those costs will fall directly on you.

Why every venue should require liability insurance from couples:

  1. Property Damage Is the Most Common Claim.
Weddings and events are high-energy, high-traffic, and high-risk. When guests get carried away and accidentally cause damage, liability insurance can ensure you’re not left with the repair bill.
  2. Your Contract Isn’t Enough.
    Even if your rental agreement makes the couple “responsible,” that won’t help if they can’t afford to pay—or refuse. Most venues only collect a $500 security deposit, which rarely covers serious damage or liability. Liability insurance creates a reliable financial safety net that kicks in when things go wrong.
  3. Insurance Makes Resolution Easier.
Filing a claim with your client’s insurer is much easier than chasing them for payment or dealing with attorneys. It speeds up the process and protects your time, energy, and sanity.
  • Filing with your own business insurance can increase your premiums, and you’ll likely need to meet a deductible.
  • With eWed, there’s zero deductible—giving you a stress-free path to resolution.
  1. Protect Your Reputation.
Nothing tarnishes your venue’s image faster than a legal dispute or public complaint. Requiring liability insurance shows you prioritize professionalism, safety, and responsibility—for everyone’s sake.
  2. Serious Incidents Can Still Happen
    Even at the most joyful celebrations, unexpected accidents can occur—like a guest falling during a lively chair lift dance or tripping during a surprise entrance when the couple turns the lights off to make a dramatic entrance. These rare but serious incidents can lead to costly lawsuits. With liability insurance, your couples gain an added layer of protection against these worst-case scenarios.

A Smarter, Easier Solution

At eWed Insurance, we proudly partner with over 30,000 venues nationwide to help protect what matters most. We make it simple for couples to purchase affordable, event-specific liability coverage that meets your venue's requirements—so you don’t have to chase them down, worry about gaps, or risk footing the bill when things go wrong.

Requiring liability insurance isn’t about adding red tape—it’s about protecting your venue, your business, and your reputation. And with eWed as your partner, you can rest easy knowing we’ve got you (and your clients) covered.

Ready to take the next step in protecting your venue?

Requiring liability insurance doesn’t just safeguard your space—it sets a professional standard that benefits everyone. With eWed’s free Venue Partner Program, you’ll gain access to our revamped, easy-to-use Dashboard, making it simple to track coverage, manage clients, and download everything you need in one place.

From sending friendly reminders to couples, to customizing your COI requirements, to requesting printed brochures—you’re fully supported every step of the way.

Click here to access your personalized Dashboard and start streamlining your process today.

We’re here to grow with you—reach out anytime if you have questions or feedback. We love hearing from our venue partners.

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