Wedding planner insurance coverage can help protect you from
The costs of damages to venues or rentals
You’re responsible for accidental damages to an event space or rented equipment.**
Medical bill expenses after accidents and injuries
Event vendors, guests or temporary staff suffer an injury during the wedding – and you’re asked to pay their medical bills.
Legal fees and defense costs
Business insurance could help cover costs if someone takes legal action against your business.
Get wedding planner insurance that’s fast, flexible and convenient
ERGO NEXT specializes in small business insurance. Wedding planner insurance could help protect you, your business and your clients from the cost of unexpected events.
ERGO NEXT makes it easy to:
- Check prices, get covered and buy 100% online in about 10 minutes.
- Manage your policy 24/7 via web or mobile app.
- Pay monthly or annually and cancel anytime.
- Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.
ERGO NEXT specializes in wedding planner business insurance
Event planner insurance coverage usually includes several types of policies that can help protect you, your business and your clients from different types of risks. Your coverage may include:
General Liability insurance for wedding planners
Protection for damage to other people's property and injuries to non-employees
Many wedding venues, restaurants, event spaces, and some clients may require general liability insurance before you can work on-site. A commercial general liability insurance policy for wedding planners could help cover some of the common business risks of planning or managing weddings and events, such as if a guest is injured during an event or if you or your employees accidentally damage a venue or rented property.
general liability can help you pay for:
Medical expenses if a guest or non-employee is injured
Damage to a venue or rented equipment
Legal fees and judgments
Claims related to personal or advertising injury
Professional Liability insurance (E&O insurance)
Coverage against business mistakes and claims of negligence
Professional liability insurance (also known as errors and omissions insurance, or E&O) could help you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you’re accused of booking the caterer for the wrong date and your client is forced to pay more for another vendor, this type of business insurance coverage could help cover expenses to resolve the issue or legally defend yourself.
professional liability can help you pay for:
Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Commercial Auto insurance
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 business purposes.
commercial auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
Workers’ Compensation insurance
Coverage for workplace injuries and illnesses
If you have full-time or part-time employees, workers’ comp insurance is required in most states to help cover medical expenses and lost wages if an employee is injured on the job. For wedding planners, this could include injuries during event setup, breakdown or while coordinating on-site.
workers compensation can help you pay for:
Medical expenses related to a work injury
Lost wages during recovery
Employer liability
Commercial Property insurance
Protection for your equipment and business property
Commercial property insurance could help protect the tools and materials you rely on for weddings and events — from décor and supplies to office equipment and inventory. If your business property is damaged by a covered event, like a fire or theft, this coverage can help with repair or replacement costs – and help cover lost income while you recover.
commercial property can help you pay for:
Damaged equipment and décor
Lost income
Operating expenses during recovery
Save up to 25% in discounts on party planner and wedding planner insurance
Pay monthly or annually, and you can cancel 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
How much does wedding planner insurance cost?
Premiums for wedding planner business insurance are more affordable than you might think. The exact price you’ll pay for your coverage depends on a number of factors, including:
- The types of weddings you plan
- Where your venues are located
- Your business location
- The type of vehicles you use for work
- Your number of employees
- Your annual revenue
- The coverage limits and deductible you choose
- Your insurance claims history
The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes, you’ll see the exact cost of tailored coverage for your business.
How can insurance for wedding planners help your business?
Wedding planners are often required to have insurance due to the risk of injury to clients and damage to venues and property. You might need insurance to:
- Rent venues for events. Many require proof of liability insurance (also called a COI).
- Protect your property. If inventory, equipment and the building you lease or own for work get damaged from an event like a fire, burst water pipe, theft or vandalism, business insurance could help you recover.
- Protect client data. If sensitive client information is exposed in an accidental data breach, cyber liability insurance could help cover the related costs.
- Hire employees. Most states require workers’ comp insurance for part-time and full-time employees.
- Drive for business. Business-owned vehicles and personal vehicles you drive for work typically need commercial auto insurance in most states.
Wedding planner insurance FAQ
If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.
How can I get a certificate of insurance (COI)?
Once you have a ERGO 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.
What do I need to get an insurance quote online?
It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, 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 do you file an insurance claim with ERGO 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.
