Business Insurance for Event and Wedding Planners

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Event Planner
Table setting for a wedding.
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When an event doesn't go as planned, your business needs to be prepared. Event planner insurance protects against mistakes like forgetting to book a venue in time, as well as property damage and client injuries.

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Insureon helps event and wedding planners compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do event and wedding planners need?

These 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 insurance under one plan. It's often the most cost-effective type of commercial insurance for event planners.

  • Customer injuries
  • Damaged client property
  • Damaged business property
General liability insurance icon

General liability insurance

This 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 booking an unsatisfactory venue. It can often be combined with a BOP.

  • Planning errors and oversights
  • Client dissatisfaction with an event
  • Failure to deliver promised results
Workers’ compensation insurance icon

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
  • Partial missed wages
  • Lawsuits over employee injuries
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 required for vehicles registered to a business.

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

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.

  • Notification of affected clients
  • Fraud monitoring services
  • Data recovery
Looking for different coverage? See more policies.

Why do event planners need insurance?

Your clients have high expectations – especially for weddings and other once-in-a-lifetime events. Even the most dedicated planner or wedding consultant can miss out on a popular booking, or otherwise fail to satisfy a client. Event planning insurance protects against legal costs related to oversights, injuries, and other risks that could harm your business. You might also need it to comply with state laws and venue requirements.

How much does insurance cost for professional service businesses?

Business professional in a tie calculating the cost of insurance.

Several factors will have an impact on insurance costs, including:

  • Professional services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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