Wedding Planner Insurance

Wedding Planner Insurance

As a wedding planner, you have some of the highest expectations to meet. Protect your business from the unexpected with an insurance policy built around your needs.

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Zensurance - Wedding Event Planner

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Insurance for wedding event planner

Wedding planners are responsible for organizing one of the most important days of their clients’ lives. The bride, groom, and their families look to you to create a cherished celebration that won’t be forgotten for decades to come. But with that level of responsibility and the huge expectations that land on your shoulders, it can be tough for even the most tenured planner. 

While preparing for the big day, much planning is required. Additionally, you rely on many independent contractors to keep the day running smoothly, from venue managers to caterers. Even if one of these vendors fails to deliver on its promises, the blame could ultimately land on you. 

To do your job efficiently, you’ll need peace of mind that if something goes awry, you’ve got a plan to make things better (after all, planning is what you’re best at!) We’ve answered your top questions about wedding planner insurance below.

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What is wedding planner insurance?

Wedding planner insurance combines various policies that provide comprehensive coverage for wedding planners. Wedding planner insurance covers risks such as professional liability and damage or loss to third-party property.

What does it cover?

Wedding planner insurance offers coverage against a wide range of risks that wedding planners may face in planning and executing each wedding. Wedding planner insurance will typically include the following coverages:

  • Commercial General Liability (CGL) Insurance: CGL insurance protects you from various day-to-day risks you can be liable for when running a business. For instance, you can be legally responsible if a third party is injured or their property is damaged due to your business’s actions. In the event of a wedding planner, say a guest gets their shoe caught in a decorative rug you placed as part of a photo booth display, and they trip over onto the marble floor, injuring their wrist. They blame your setup and hold you responsible for their medical bills. CGL insurance could provide coverage to protect you financially.
  • Professional Liability Insurance: Sometimes known as errors and omissions (E&O) insurance, this insurance can protect you financially against claims from clients alleging a mistake in your service through factors such as negligence, wrongdoing, or failing to deliver a service as promised. Suppose you mixed up two clients and sent the wedding invites to the wrong guest list. By the time the error was discovered, many of the intended guests couldn’t make it on such short notice. Your client sues you for negligence and accuses you of ruining their wedding day. In this case, professional liability insurance may cover the costs associated with the situation and any potential legal costs.
  • Contents Insurance: If you own certain assets that you use at events, contents insurance can protect you financially against certain risks (like fire or theft) that cause damage or destruction of your property. For example, say you bring your table centrepieces and other select decors to the venue the night before the wedding. When you return the following morning, it’s clear there’s been a break-in, and all of your decor is gone. Contents insurance could cover the costs of replacing the stolen decor.
  • Cyber Insurance: Your employees may hold confidential or personal client data on their devices, making them susceptible to cyber-attacks. Cyber liability insurance provides financial coverage against cybercrime. It can help to recover lost data, inform affected customers, and more. Suppose your computer was affected by a virus that wiped important client information from your system. Cyber liability insurance could help cover the costs of restoring that data and, if necessary, it could inform your clients of the data breach.
  • Legal Expense Insurance: Legal expense insurance gives your business access to financial coverage for legal advice and other legal services, where coverage isn’t provided under another policy. Certain events that can be covered by legal expense insurance are legal action for personal property loss, employee disputes, or bodily injury to an employee.

Who needs wedding planner insurance?

A wedding includes many vendors – all of which should have insurance that protects them against risks that could occur on the big day. Wedding planner insurance specifically caters to the needs of wedding planning companies, independent wedding planners, or wedding coordinators.

How much does wedding planner insurance cost?

Weddings come in all shapes and sizes, as do the businesses that help to plan weddings, so there isn’t a fixed dollar value.  To calculate an accurate quote for your wedding planning business, an insurance company takes into consideration the factors that make your business unique, such as:  

  • Years of experience
  • Types of services
  • Locations served 
  • Annual and projected gross revenue
  • Number of employees
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Common claims scenarios

Frequently asked questions

Does Zensurance offer one-time special events liability coverage?

No, Zensurance only offers quotes for annual (12-month) insurance policies.

Does my event planning insurance cover contractors that I hire? (E.g., caterers, DJs, etc.)

No, only employees (full- or part-time) would be covered under your wedding planner insurance policy. It’s best to ensure any contractors or vendors have insurance before working with them.

Am I responsible for liquor-related liabilities that may occur during the event?

No, the vendor or host should have liquor liability insurance. This policy provides their bartenders and servers with the liability coverage they need if they’re held responsible for an alcohol-related incident.

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Finding the right insurance has never been easier. Fill out an online application and answer a few questions about your wedding planning business to get a free quote. 

We’ve partnered with more than 50 leading Canadian insurance providers to give you a variety of options to suit your needs and budget.

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