Hello, I was wondering if anyone could help.
We're just about to book a band for our wedding. The contract for the band says that we are responsible for damage caused by our guests. That seems to be quite common.
We purchased wedding insurance a few months ago, and it includes public liability insurance. However, on reading the policy document for our insurance, it says that you are not covered for "any liability assumed by you". Again, this seems to be quite common.
Does that mean that if we sign the contract for our band then we are liable for damage caused by our guests BUT, since we have "assumed liability", our insurance will not cover us if our guests cause damage to the band's equipment?