Wedding Planner Insurance
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How much does insurance cost for wedding planners?

Wedding planner insurance costs depend on several factors, such as the types of coverage you buy, your business revenue, and your unique risks. Save money on small business insurance by comparing quotes from different providers with Insureon.

Average wedding planner insurance costs for top policies

Here are the top insurance policies purchased by wedding planners and their average monthly costs:

Our figures are sourced from the median cost of policies for event planners and wedding planners who apply for quotes with Insureon. The median offers a better estimate of what your business is likely to pay because it excludes outlier high and low premiums.

Business insurance costs are determined by a number of factors, including the size of your business, the value of your business property, your annual revenue, your claims history, and the policy limits and deductibles you choose.

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General liability insurance

Wedding planners pay an average of $29 per month, or $350 annually, for general liability insurance, also called public liability insurance. This coverage is often required by event venues.

General liability insurance covers common third-party lawsuits related to bodily injuries and property damage, including incidents that occur at a client's wedding. For example, it would cover your legal expenses if a bride trips on a broken step at a reception venue and sprains her ankle, or if your assistant drops a wedding cake.

This policy also helps pay for legal fees if someone sues your business over an advertising injury, such as copyright infringement or defamation. For instance, your business could face an invasion of privacy lawsuit if you posted photos of a client's wedding on Instagram without their permission.

Below is the average general liability policy for wedding planners who buy from Insureon:

Insurance premium: $29 per month
Policy limits: $1 million per occurrence; $2 million aggregate

The per-occurrence limit is the maximum your insurance company will pay for a single covered incident, while the aggregate limit is the most the insurer will pay for all covered claims during the policy period, typically one year.

The cost of general liability insurance depends on factors such as the coverage limits and deductible you choose, whether you work from home or an office, your business income, and any additional insured endorsements.

Your premium will increase if you need additional coverages, such as special event insurance to cover liabilities associated with a specific event, event cancellation insurance, or liquor liability insurance to cover the risk of selling or serving alcohol at a wedding.

Learn more about how your premium is calculated and how to save money on general liability coverage.

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Business owner's policy

Wedding planning businesses pay an average of $42 per month, or $500 per year, for a business owner’s policy. Small, low-risk businesses are often eligible for this insurance package.

A business owner's policy, or BOP, bundles general liability coverage with commercial property insurance to cover both third-party risks and your business property. It typically costs less than purchasing each type of coverage separately.

A BOP protects against accidents that injure clients or damage their property. It also pays for repairs if your building or business personal property is damaged by a fire, storm, or vandalism. Because of its increased coverage and affordability, it’s the policy most often recommended by Insureon’s agents.

This is the average BOP for wedding planners who buy from Insureon:

Premium: $42 per month
Policy limits: $1 million per occurrence; $2 million aggregate
Deductible: $500

Policyholders may see higher costs if they choose to add endorsements to their policy. For example, business interruption insurance would cover financial losses if your office is forced to close temporarily due to a fire or other covered property claim.

The cost of a business owner's policy is based on several factors, including the value of your business property, where you are located, the number of employees you have, and your policy's exclusions.

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Professional liability insurance icon

Professional liability insurance

Wedding planners pay an average of $42 per month for professional liability insurance, or $500 annually. This policy is sometimes referred to as errors and omissions insurance (E&O).

Professional liability insurance covers lawsuits related to professional negligence or failure to provide services that meet the standard of care for your industry.

For example, a wedding planner might fail to book a promised venue, or they might hire a caterer that fails to accommodate a client's food allergies. This type of coverage would pay for the resulting lawsuit, including attorney's fees and a settlement or judgment.

Below is the average professional liability policy for wedding planners who buy from Insureon:

Premium: $42 per month
Policy limits: $1 million per occurrence; $1 million aggregate
Deductible: $1,000

Several factors influence the cost of professional liability insurance, including the types of services you offer, your claims history, and the size of your business. As with other types of insurance, you can save money on professional liability coverage by choosing lower limits or a higher deductible.

Reducing your risks also helps you avoid claims and keep your premium low. This includes clear communication with clients and thorough documentation of all communications and agreements.

Workers’ compensation insurance icon

Workers' compensation insurance

For wedding planners, the average cost of workers’ compensation insurance is $50 per month, or $597 annually.

This policy covers medical expenses and disability benefits related to employee injuries, including accidents in your office or at a client's wedding. It usually includes employer's liability insurance to protect against lawsuits from injured workers.

Wedding planning businesses with employees typically must purchase workers' comp to comply with state requirements and avoid penalties. For example, businesses in California and New York must carry workers' comp if they have one or more full-time or part-time employees. Florida businesses need coverage when they have four or more employees, and coverage is optional in Texas.

Since health insurance plans can deny claims for injuries related to your job, workers' comp coverage is also recommended for sole proprietors as a financial safety net and for peace of mind.

The cost of workers' comp depends on several factors, primarily the number of employees you have and their occupational risks. You can save money on workers' comp coverage by classifying your employees correctly and implementing a risk management plan to avoid work-related injuries and subsequent claims.

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Commercial auto insurance

Wedding planners pay an average of $38 per month, or $456 per year, for commercial auto insurance.

This policy pays for legal fees, medical treatment, and repairs if your company vehicle injures someone or damages their property in an accident. It can also cover vehicle theft, vandalism, and weather damage.

For example, a wedding planner might back up their van too far when unloading supplies at a reception and damage a porch. This policy would pay for repairs or legal costs if the venue owner files a lawsuit.

Most states require commercial auto insurance for vehicles owned by a business. For personal, rented, and leased vehicles used for work purposes, look to hired and non-owned auto insurance (HNOA) instead.

The cost of commercial auto insurance depends on several factors, including your policy limits, the coverage options you choose, any additional insured endorsements, the value of your vehicles, and the driving records of anyone at your wedding planning business who is permitted to drive them.

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Cyber insurance

Professional services businesses, including companies that plan weddings and other events, spend an average of $123 per month on cyber insurance, or $1,480 annually. This policy is also called cyber liability insurance or cybersecurity insurance.

Cyber insurance helps your small business recover financially after a cyberattack or data breach. It can cover data breach investigations, cyber extortion payments, and costs related to complying with your state's data breach laws.

A cyber insurance policy is especially crucial for wedding planning companies that store personal information, such as credit card numbers, phone numbers, and email addresses belonging to your clients.

The cost of cyber insurance and the amount of coverage you need depend on how much personal data your business handles, along with any cybersecurity measures you implement to reduce your risks.

How do I get wedding planner insurance?

Insureon helps wedding planners and other service professionals find affordable insurance coverage in three easy steps:

  1. Fill out a free online application with details about your business.
  2. Compare custom quotes from top-rated U.S. insurance companies.
  3. Select a policy and pay the premium to begin coverage.

You can consult a licensed insurance agent for questions about your risks, state insurance requirements, and the right event liability insurance or wedding insurance for your needs.

Once you've purchased the insurance products you need, you can download a certificate of insurance (COI) for proof of coverage. Most small business owners can get coverage and proof of insurance within 24 hours of applying for quotes.

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Updated: April 23, 2025

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