Wedding Planner Insurance
You can save up to 25% in discounts on business insurance.*
Choose your primary coverage to get started:
Wedding planner insurance designed to protect your business
NEXT Insurance is a one-stop shop to help you get the wedding planner insurance coverage you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:
- General liability
- Professional liability (E&O)
- Commercial auto
- Workers’ compensation
- Commercial property
We’ll help you get the business insurance coverage you need
It’s all about managing your risk. See the different policies available for wedding planner business insurance and save up to 10% when you bundle two or more of our policies.
General Liability
Protection for the injuries, accidents and damage you cause
General liability insurance covers a wide range of wedding planning accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by wedding venues.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Professional Liability (E&O)
Coverage against business mistakes and claims of negligence
Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of booking the caterer for the wrong date, it could help cover related expenses to solve the problem or defend yourself.
professional liability can help you pay for:
Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Commercial Auto
For business owners who own or drive vehicles
Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you regularly drive for businesses purposes, such as going to different wedding venues.
commercial auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
Workers' Compensation
Coverage for workplace injuries
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.
workers compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Commercial Property
For business owners who own or rent physical spaces
Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
You can save up to 25% in discounts on wedding planner insurance
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
Commercial Auto
Combined single limit
$85,000
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
Wedding planner insurance requirements
Wedding planners are almost always required to have insurance due to the risk of injury to clients and damage to venues and property. You might need insurance to:
- Start planning weddings. Wedding venues might ask you to have active insurance — usually general liability or workers’ compensation.
- Hire employees. Most states require workers’ compensation.
- Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
- Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
Frequently asked questions about business insurance
Here are some of the most common questions we get about insurance for wedding planners. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
How does business insurance protect wedding planners?
Our wedding planner insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:
Damage to someone’s property
You accidentally knock down an expensive chandelier while setting up lighting for a reception. The general liability coverage in your insurance package could help pay for a replacement.**Accidents that hurt someone
A client trips over the edge of a rug in your office and sprains their ankle. Your general wedding planner liability insurance coverage could also come into play here by helping to pay for medical costs and legal fees.Professional mistakes
A client claims that you allowed the event to run late, causing them to incur extra venue fees. Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.Workplace injuries
You slip and injure your leg while showing guests a location. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.Injuries and damage involving your business vehicles
You scrape the side of another car in a florist’s parking lot. Commercial auto insurance can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.Damage to your own property
Your office is flooded when a water pipe bursts. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.What do I need to get an insurance quote online?
It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work.
You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.
How can I get a certificate of insurance (COI)?
Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.
How do you file an insurance claim with NEXT?
If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.
