Insurance By Trade

Wedding Planner Insurance

Wedding Planner Business Insurance

Wedding planners are the first to say, “I love my job!”  Special events like weddings are exhilarating, not just for the wedding party, but also for you, the wedding planner.

As a result, wedding planner insurance might be the furthest thing from your mind. Wedding planners often think, “I’ve got so much to do, I’ll attend to it later.”

The bride and groom expect the big day to be a once-in-a-lifetime special event. When they thank you afterwards for making their big day a really special event, you always say, “The pleasure is mine.” And you mean it.

Recommended POLICIES

  • Commercial General Liability Insurance
  • Commercial Property Coverage
  • Loss of Income Coverage
  • Equipment Breakdown Coverage

Choose Small Business Liability for the Right Insurance at the Right Price.


What it is Wedding Planner Insurance?

But you know from experience that for a special day to run smoothly takes creativity, planning, quick thinking and brilliant management. Everything must be just so, from the wedding venue to the caterer, and every tiny detail in between.

In addition, everyone in your wedding planning business knows to be invisible on the day. Taking care of the little details can make the difference between a good special event and a great one. You’ve got this.

A wedding planner loves that the bride and groom trusts them to make their big day extra special. They rely on you to coordinate the caterer, entertainment, flowers, wedding venues, shuttle and limo services and, sometimes, even gifts for their bridesmaids and groomsmen.

Why have a Wedding Planner Insurance

5 Best Reasons to get Wedding Planner Insurance

Protect Your Reputation

Insurance protects against employees misrepresenting your company.

Plan For The Future

Insurance protects against unforeseen risks.

Lawsuit Protection

Vital protection in a litigious society.

Prevent Financial Ruin

Insurance helps your business survive disaster.

Get Peace of Mind

Insurance that protects the little guy.

“It will never happen to me!”

Are you prepared if it ever does?

What if…

You recommend the caterers that set fire to the marquee. When the lawsuit is filed against the caterers, you may also be named. You recommended and hired them, so you bear some liability. As the wedding planner, you recommended and hired the marquee company. Even though they set up the tables, chairs and ran the electrical cables, you can also be held liable.”

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Most wedding planners are typically or small businesses or single proprietors. In the course of planning a wedding, event planners like yourself are vulnerable to lawsuits. For example, a client may claim that the services you failed to provide the services you were contracted to provide, you could face serious financial danger. Every one of the 50,000 event planners working in the United States could face claims against them should a guest trip or the cake not arriving.

As a result, there is no small wedding planning business that is exempt from the test of liability. Wedding planners actually carry more third party responsibility than many other service providers. A wedding planner can’t prevent mishaps from ruining the big day, but you can protect your business from ruin with the right insurance coverage.

What Wedding Planner Insurance Do I Need?

The biggest part of a wedding planner’s job is the give the bride and groom peace-of-mind so that they can enjoy the big day. Above all, the best wedding planners always go the extra mile to have the event run smoothly.

You have contingency plans. In fact, you are most likely the kind of event planner who has plan b and plan c in place, just in case.

However, what if something you haven’t planned for happens? Will your wedding planner business survive financial loss from a lawsuit without event insurance?

Commercial General Liability Insurance

This coverage protects rental property owners against claims of alleged or actual bodily injury or property damage to third parties (these include visitors, tenants, delivery persons, etc.). The general liability coverage is important in protecting you from lawsuits.

Commercial Property Coverage

This insurance coverage will protect you against the loss of your apartment building as well as other type of buildings and structures like offices, and garages, swimming pools, storage buildings and fences within the complex.

Loss of Income Coverage

This insurance coverage reimburses apartment owners for the loss of income due to damage by a covered loss (like fire or storm).

Equipment Breakdown Coverage

As a building owner, you might have heating and cooling units, for example. This insurance coverage will typically apply to such equipment breakdown. The loss must be sudden and accidental. Wear and tear is not included in this type of insurance policy.

Benefits of get insured by
Small Business

Small Business have created a comprehensive guide to the insurance required before starting a business for each of the specific professions listed below.

If you have any questions, we are staffed with experts in the insurance field willing to help.

With our expertice we can guide you to the right coverage for your business.

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