Event Liability Insurance

Catawba Falls Events partnered with Nuptial to provide couples with an easy-going event insurance process, ensuring a smooth and stress-free experience from start to finish.

Required for all weddings and events booked at Catawba Falls Events. Once the policy is purchased, no additional action by you is needed. The policy documents are sent to us automatically for you!

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)

  • Catawba Falls Events automatically receives a copy when you purchase via this link. No further action is required by you.

  • This policy meets all the requirements:

    • Primary and Noncontributory language with Waiver of subrogation

    • $1M coverage

    • Host liquor liability

    • All additional insureds per the contract

NOTE:  If you are having sparklers at the event, you must indicate that in the application so that coverage will apply. There is no additional cost.


FAQ

  • 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 that you’re seeing online don’t contain the language we require. Part of the reason that Nuptial offers this as a service to both of us is so that 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. 

Why the Venue Requires a Specific Event Insurance Policy

Planning a wedding takes a lot of time, money, and love — and event insurance is what makes sure that all of that is protected if something unexpected happens. It’s natural to wonder why you can’t just use a homeowner’s policy or a cheaper event policy you found online. The truth is, those options often leave out the protections that matter most when it comes to weddings.

Why Other Options Aren’t Enough

  • Alcohol Liability

    Weddings almost always involve alcohol, and that’s the single biggest source of accidents and claims. Many homeowner and bargain event policies exclude alcohol completely — meaning if something happens, there’s no coverage.

  • Waiver of Subrogation

    This provision makes sure that if an insurance company pays out on a claim, they can’t turn around and sue your venue to recover their costs. Without it, your venue could still end up in court, which threatens their ability to host your wedding in the first place.

  • Primary & Noncontributory Coverage

    This ensures your event policy responds first if something happens, instead of the venue’s own insurance. Without this, the venue’s coverage could be forced to step in, driving up their costs and making it harder for them to continue hosting weddings.

Why It Matters to You

Requiring the right insurance isn’t just about protecting the venue — it protects you, your guests, and your wedding day. With the proper policy in place:

  • You avoid surprises or uncovered claims if something goes wrong.

  • You know your coverage will actually respond when you need it most.

  • You have peace of mind that your celebration won’t leave behind a financial burden.

The Bottom Line

Catawba Falls Events has partnered with Nuptial to make sure you’re getting the exact coverage that protects all sides — at the lowest cost possible for the level of protection required. Cheaper policies may look appealing, but once you add the necessary protections, they either cost more or don’t qualify.

This required policy is designed for weddings, covers the real risks, and makes sure everyone — you, your guests, and your venue — are safeguarded so you can focus on celebrating.