Newsflash: Behind the scenes at a wedding isn't all fun and games. Be ready for anything and more with wedding planner insurance or else you could be out of business. Being a wedding planner or event planner under your own name makes you a small business owner. That means a whole different side to the events from the fun of flowers, food and music. Naturally, as a small business owner of an events company you'll need liability insurance for when things go wrong.