Business Insurance for Event and Wedding Planners

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Event Planner

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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.

Event planner wearing a headset and pointing at a wedding cake.

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What types of insurance do event and wedding planners need?

These policies cover the most common risks of event planning.

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.

BEST FOR

Customer injuries
Damaged client property
Damaged business property

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.

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 against work injury costs that health insurance could deny.

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

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.

BEST FOR

Client bodily injuries
Client property damage
Advertising injuries, including slander and libel

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.

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 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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