Business Insurance for Event and Wedding Planners

Event Planner
Table setting for a wedding.
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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.

Event planner speaking with a client.
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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 icon

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.

  • Customer injuries
  • Damaged client property
  • Stolen or damaged business property
General liability insurance icon

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.

  • Client bodily injuries
  • Client property damage
  • Slander and other advertising injuries
Professional liability insurance icon

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.

  • Planning errors and oversights
  • Client dissatisfaction with an event
  • Failure to deliver promised results
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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.

  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
Commercial auto insurance icon

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.

  • Property damage caused by your vehicle
  • Bodily injuries from an auto accident
  • Vehicle theft and vandalism
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Cyber 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.

  • 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?

Business professional in a tie calculating the cost of insurance.

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
View Costs

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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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