Wedding Planner Insurance for Your Big-Day Business 
What types of insurance should a wedding planner have?
Protect Your Services with Wedding Planner Business Insurance
Planning weddings means juggling vendors, venues, and high expectations; where even small issues can lead to big claims. With wedding planner insurance, you’re protected against liability for mishaps, delays, or professional errors. Whether you work solo or run an agency, the right wedding planner business insurance helps keep your events, and your business, on solid ground.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
What Are The Kinds Of Wedding Planner Business Insurance?
Every event, planning session, and client interaction carries risk. That’s why Gild Insurance’s wedding planner business insurance is designed to protect your work wherever it takes you. Our flexible coverage helps safeguard against liability claims, property damage, and service-related risks.
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General Liability Insurance – Covers third-party property damage or bodily injury
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Business Owners Policy (BOP)– General liability insurance and business equipment coverage all in one.
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Professional Liability (E&O) Insurance – Protects against client claims of mistakes, omissions, or negligence.
- Commercial Umbrella Insurance – Provides an extra layer of liability protection beyond the limits of your primary policies, helping to prevent catastrophic financial loss from a large lawsuit.
The best way to find your wedding planner insurance is to get a free, online quote in minutes!
Do I Need Insurance For Wedding Planner Business?
As a wedding planner, protecting yourself from lawsuits and claims isn’t optional, it’s essential. Having the right insurance for wedding planner ensures your business and finances stay secure.
Here’s why insurance matters:
- Protection from unexpected claims: Helps manage the financial impact of claims arising from accidents at events.
- Compliance with location liability rules: Many event locations require proof of insurance.
- Maintain professional credibility: Being insured reassures clients that you take their safety seriously and are prepared for potential disputes.
- Safeguard your personal finances: Lawsuits can be costly, insurance ensures you’re not personally liable for settlements or legal fees.
What Is The Right Wedding Planner Insurance?
At Gild Insurance, we understand the unique risks wedding planners face every day, that’s why we take the time to get to know your business, your clients, and the way you work, so we can recommend an insurance package that’s the best fit for you. We’ll protect you from lawsuits and claims, letting you focus on your clients and growing your business with confidence.
Frequently Asked Questions
Wedding planners coordinate vendors, venues, and guests, which means one mistake or accident could have big financial consequences. The most important coverages include:
- General Liability – Protects against third-party injuries or property damage during events.
- Professional Liability (E & O) – Covers claims tied to scheduling errors, missed details, or failure to deliver promised services.
- Commercial Property Insurance – Protects office space, equipment, and supplies from fire, theft, or damage.
- Workers’ Compensation – Required in most states if you employ staff to cover workplace injuries.
- Business Owner’s Policy (BOP) – Combines property and liability coverage for added protection.
Is insurance legally required for wedding planners, or is it mainly expected by venues or clients?
There is no nationwide law requiring wedding planners to carry insurance, but:
- Workers’ compensation is legally required in most states if you hire employees.
- Many venues require proof of liability coverage before allowing planners to coordinate on their property.
- Clients often ask for proof of insurance as reassurance that their event is protected.
Even when not mandated by law, carrying insurance shows professionalism and opens doors to larger, more profitable contracts.
How much does wedding planner insurance cost on average?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Does wedding planner insurance cover client injuries, property damage, or event disruptions?
Yes! With the right policies:
- General liability can cover slips, trips, or accidents that occur during events.
- Professional liability can help if a client alleges financial loss from poor planning or a missed deadline.
- Property coverage protects equipment or office space if it is damaged or stolen.
Insurance gives planners confidence that unexpected mishaps will not derail their reputation or financial stability.
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