Why do wedding planners need insurance?
Every bride wants their big day to be perfect, but there's always a chance something will go wrong. Wedding planner insurance covers lawsuits related to booking cancellations, invitation misprints, and other incidents. It can also help pay for medical bills, property damage, and data breaches.
Find affordable coverage
Wedding planners can save money on insurance by comparing quotes from our trusted providers.
Get peace of mind knowing you have the right property and liability coverage for your business.
What types of insurance do wedding planners need?
These insurance policies cover the most common risks for wedding planners.
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.
- Slip-and-fall injuries
- Accidental damage to a client's 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.
- 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 promised wedding venue. It can often be combined with a BOP.
- Planning errors and oversights
- Failure to deliver promised results
- Wedding day mishaps
Workers’ compensation insurance
Most states require workers' comp for wedding 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
Commercial auto insurance covers financial losses when a wedding 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
Cyber insurance
This policy helps wedding planners recover financially from cyberattacks and data breaches. It's recommended for any business that handles credit card numbers or other personal information.
- Notification of affected clients
- Fraud monitoring services
- Data recovery
How much does insurance cost for wedding planners?
A wedding planner who works independently will pay less for insurance than a larger business.
Factors that affect wedding planner insurance costs include:
- Services you offer, such as venue booking or catering
- Business equipment and property
- Business income
- Types of insurance purchased
- Policy limits and deductibles
- Additional insured endorsements
How do I get wedding planner insurance?
It's easy to get wedding planner and event planner 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 (COI) 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 wedding planning business, whether you work independently or hire employees.
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FAQs about wedding planner insurance
Review answers to common questions about wedding planner insurance.
Does wedding planner insurance protect against cancellations and postponements?
Yes, you can buy event cancellation insurance that covers financial losses resulting from cancellations and postponements. You can often add this coverage to your special event insurance for an additional fee.
Special event insurance provides liability coverage for events like weddings, fundraisers, and holiday parties. It offers similar protection to your commercial general liability policy during the event, such as protection against legal costs from an injury.
Event cancellation insurance covers lost deposits and other financial losses stemming from a cancelled or postponed event. Be aware that most policies exclude claims related to COVID and other communicable diseases, and not every insurance company sells this coverage.
What other types of insurance should a wedding planner have?
Wedding planners sometimes buy the following types of coverage for specialized risks or to comply with a venue’s insurance requirements:
- Commercial umbrella insurance: This policy boosts the limits on an event planner's general liability, commercial auto, or employer's liability policy once the limit is reached. It's often purchased to meet the terms of a contract that specifies higher limits.
- Employment practices liability insurance (EPLI): An EPLI policy can pay for legal fees in the event of a violation of employee rights, such as wrongful termination or discrimination.
- Hired and non-owned auto insurance (HNOA): This policy provides liability protection for a wedding planner's personal vehicle that is driven for work purposes. It also covers rented and leased vehicles.