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Business Insurance for Event and Wedding Planners
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Event Planner
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Why do event planners need insurance?
Even the most dedicated planner or wedding consultant can miss out on a popular booking, or fail to satisfy a client. Business insurance protects against lawsuits, injuries, and other risks that could harm your business. It also helps you comply with state laws and venue insurance requirements.
Find the right coverage
Insureon helps event and wedding planners find insurance that matches your unique risks.
Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.
What types of insurance do event and wedding planners need?
These insurance policies cover the most common risks of event planning.
Business owner's policy
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of wedding planner business insurance.
BEST FOR
- Customer injuries
- Damaged client property
- Stolen or damaged business property
General liability insurance
A general liability policy protects against basic third-party risks, such as a client tripping in your office and suffering an injury. It also covers copyright and defamation lawsuits.
BEST FOR
- Client bodily injuries
- Client property damage
- Slander and other advertising injuries
Professional liability insurance
Also called errors and omissions insurance (E&O), this policy covers mistakes and oversights, such as failure to book a wedding venue on time. It can often be combined with a BOP.
BEST FOR
- Planning errors and oversights
- Client dissatisfaction with an event
- Failure to deliver promised results
Workers’ compensation insurance
Most states require workers' comp for event planning businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance covers financial losses when an event planner's vehicle is involved in an accident. It's usually required for vehicles registered to a business.
BEST FOR
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Cyber liability insurance
Cyber liability insurance helps wedding and event planners recover from cyberattacks and data breaches that expose sensitive client information, such as credit card numbers.
BEST FOR
- Notification of affected clients
- Fraud monitoring services
- Data recovery
Looking for different coverage? See more policies.
How much does insurance cost for professional service businesses?
A wedding planner who works independently will pay less for insurance than a larger business.
Factors that affect premiums include:
- Professional services offered, such as venue booking or catering
- Business equipment and property
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get event planner insurance?
It's easy to get event and wedding planning business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your event planning business, whether you work independently or hire employees.
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