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Insurance

Please reference the contract located in your Client Portal for more detailed information about insurance.

Insurance Requirement

Irongate Garden Inn requires that you and your vendors be properly insured for your wedding. Vendors have business insurance. You purchase an event policy.

Our expectation is that you hire professional vendors for your wedding. As professionals, they have insurance to protect themselves and their business operations at your wedding. However, we only require proof of insurance from three of your vendors; your caterer, DJ and bar service.

Your event insurance does not replace or eliminate the need for your vendors to have their own policy.

Proof of Insurance

We require proof of insurance from four sources:

  • You (event insurance)
  • Your Caterer
  • Your DJ
  • Your Bar Service

Additional Insured

All four Certificates need to list Irongate as Additional Insured which is specific verbiage to be listed on the Certificate.

ADDITIONAL INSURED VERBIAGE

Robert Grove Real Estate & Valuation Services
DBA Irongate Garden Inn
Robert or Krista Grove
4673 Nord Highway
Chico CA 95973

Your Event Insurance

MINIMUM COVERAGE

General Liability: Minimum of $1,000,000
Host Liquor Liability: Minimum of $1,000,000

Vendor Business Insurance​

MINIMUM COVERAGE

General Liability: Minimum of $1,000,000.
 
Your Bar Service/Bartender must also carry liquor liability because they are responsible for serving all alcohol at your wedding, including beer, wine, champagne and hard liquor.
 

Liquor Liability: Minimum of $1,000,000.

Our biggest challenge is a friend or family member who offers to pour at a wedding without insurance or training. We do not allow this scenario at Irongate. You must hire a bar service and self-service is not permitted.

Certificate of Insurance

A Certificate of Insurance is the official document that provides us proof of insurance. We need to receive four Certificates total (you, your caterer, DJ and bar service).
 
Due: Thirty (30) days prior to event
Email to: krista@irongategardeninn.com

Buying Event Insurance

Purchasing wedding event insurance is easily done online. Below are a few options for you to consider. You are not required to purchase from this list.

Very convenient. Quote online and easily see price variations. Using this link, the company will email proof of insurance to us and automatically include our Additional Insured language.

This one is also convenient. Select Irongate Garden Inn from a list when quoting the insurance online and the company will email proof insurance to us and automatically include our Additional Insured Language.

A leader in event insurance and the policy can be quoted online.