Why Planners Require Couples to Use Licensed & Insured Vendors
MLE’s Guide on Licensed & Insured Wedding Vendors
When you start planning your wedding, choosing vendors may feel like an endless list of decisions. While style and personality are important, there’s one requirement that should never be overlooked: hiring licensed and insured professionals. This is not just a formality — it is about protecting your wedding, your guests, and your peace of mind.
Why Licensing and Insurance Matter
Hiring licensed and insured vendors ensures you are working with legitimate professionals. Insurance covers accidents, liability, and property damage. Licensing confirms that the vendor is operating legally. Without these protections, couples risk unexpected costs, canceled services, or even venue noncompliance.
Understanding how vendor contracts and insurance work together is key to protecting your investment. Before signing any agreement, make sure you know what each clause means and what protections are in place. Learn more about what to look for before signing a vendor contract here.
Venue Requirements You Need to Know
Most venues require proof of vendor insurance before allowing them onsite. Caterers, bartenders, rental companies, and entertainers are often subject to stricter requirements. If your vendor cannot provide this documentation, your venue may refuse to let them work your event.
Protecting You and Your Guests
Licensed and insured vendors safeguard you from potential risks. For example:
Bartenders: Liquor liability insurance protects you if a guest overindulges.
Caterers: Coverage includes food safety and kitchen accidents.
Rental Companies: Liability applies if a tent collapses or equipment is damaged.
These protections extend far beyond the wedding day itself, giving you peace of mind.
The Professional Difference
Vendors who maintain proper licensing and insurance demonstrate professionalism and reliability. They invest in their businesses, respect industry standards, and understand the importance of accountability. Couples who cut corners with unlicensed vendors often find the short-term savings lead to long-term headaches.
💡 Pro Tip: Ask for certificates of insurance (COIs) early in the planning process. A true professional will provide documentation promptly and without hesitation.
Why Planners Enforce This Rule
At Michelle Leo Events, we require all vendors to be licensed and insured. This ensures every event runs smoothly and every couple is fully protected. Our in-network vendors all meet these requirements, and when couples want to bring in outside vendors, we make sure they comply before moving forward.
Final Thoughts
Choosing vendors based on licensing and insurance may not be glamorous, but it is one of the smartest decisions you can make. At Michelle Leo Events, we believe peace of mind is priceless. By working only with licensed and insured professionals, we protect our couples, their guests, and the integrity of their event.
Curious about the benefits of working with trusted professionals? Check out our post on Maximizing Event Success: The Benefits of Using In-Network Vendors to learn more about how vendor relationships make a difference.
