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Wedding Planner Insurance

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Wedding Planner Insurance You Can Say "I Do" To

You help couples make memories that will last a lifetime. A wedding day is, as they say, the first day of the rest of someone's life. While they're making memories, who's thinking about your business's future?

That's where wedding planner insurance comes in.

At Simply Business, we offer wedding planner business insurance policies that can cover your job's specific financial risks.

First, answer some questions about your business. Then we'll show you coverage that fits your needs. After you compare quotes, choose the option that works best for your wedding planning business.

The best part? It takes less than 10 minutes. That's less time than most reception speeches!

Ready to get hitched to the right policy?

Let's get you covered.

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Insurance FAQs:

  • What is Business Insurance?

Coverage Type

Business Insurance Policies Available for Wedding Planners:

  • General liability insurance
  • Workers compensation insurance

Benefits:

  • It can protect your business from certain claims.
  • It can cover damages caused by your negligence.
  • Proof of insurance can help clients feel good about your work.
  • It may be required where you’re located.

Wedding planner meeting with clients over coffee

What Types of Wedding Planner Business Insurance Do I Need?

Wedding coordinator insurance coverage is a bundle of individual policies that can protect your business from financial risks. But different incidents can pose different risks to your business. That’s why we'll review different types of business insurance and how they can help financially protect your business from those risks.

General Liability Insurance

General liability insurance is also known as commercial general liability insurance. It's insurance coverage that can protect you from the financial risks resulting from third-party accidents, bodily injury, or property damage.

It's your job as a wedding planner to make sure the day goes smoothly and is enjoyable for everyone. A lot of things had to go right for a couple to make the decision to get married, and unfortunately, there are a lot of things that could go wrong on the big day.

You can't always predict things that are out of your control. And you're not the only business owner facing financial risks. Business owners are commonly sued for several types of incidents. Consider slip and fall accidents. Those claims are common and pricey, costing an average of $20,000. According to The Knot, that's about the average cost of a wedding these days.

Think about it: What would happen if tomorrow, a client sued you for $20,000? Where would that money come from? How would you pay for a lawyer to represent you?

It's hard to think of a situation in the abstract, so let's look at a specific scenario:

Malika created a once-in-a-lifetime experience for the wedding couple. She arranged for a contractor to set up an outdoor tent for the reception.

While entering the tent for the reception, the bride tripped and fell, spraining her ankle. She tripped over Malika's laptop cord.

While their guests enjoy the reception, the newlyweds go to urgent care to get the bride's ankle examined. After the event, they sue Malika for the cost of the bride’s medical bills, claiming that her carelessness led to the incident.

Without a general liability policy, Malika may need to pay the claim out-of-pocket. This could hit her business hard financially. If she hires a lawyer to defend her business, that will cost more money out-of-pocket.

With wedding planner insurance, Malika's coverage could help pay the cost of the claim, medical costs, and lawyer fees, up to her policy's limit.

General liability insurance typically covers third party:

  • Bodily injury
  • Third-party accidents
  • Property damage
  • And more

General liability insurance typically does not cover:

  • Professional services
  • Workers compensation or employee injury
  • Commercial auto
  • Damage to your work
  • And more

Professional liability insurance

Professional liability insurance is a type of coverage that can financially protect your business from the results of incidents like negligence, libel or slander, copyright infringement, and more.

Your job is to make the happy couple feel special. It doesn't feel great if your actions caused them harm in some way. But not all risks are as tangible as say, a sprained ankle from a fall.

Let's look at a scenario of how a professional liability policy could come into play:

Malika plans another wedding with 150 people on the guest list. The caterers plan to have enough food to feed all 150 people.

Some guests RSVP last minute, saying they can't make it. Malika received the emails but forgot to update the caterers of the change.This means that there was a ton of food left over, due to Malika's error.

The newlyweds sue Malika for her negligence in not updating the caterers. They file a claim for the cost of the plates that weren't cancelled.

Without professional liability coverage, Malika may have to pay the claim out-of-pocket, and if Malika's wedding planner business doesn't have any savings to rely on, it could put her in debt.

Malika could also be responsible for paying a lawyer to represent her business. And legal fees add up. They could even end up being more than the claim itself!

If Malika had professional liability coverage, the situation would likely be different. Instead of facing the claim and legal fees on her own, she'd have her policy to rely on. Her claim and the legal fees could be covered by her policy, up to its limit.

Workers Compensation Insurance

As a wedding planner, you often collaborate with several vendors and organizations to make your clients' big day unforgettable. Eventually you may decide to hire an employee, either part-time, full-time, or just for a season.

In that case, you may need workers compensation insurance. Most states require this coverage, also referred to as workers comp. It helps protect your business financially if an employee gets sick or injured while working for you.

Creating your clients' most memorable day is enough pressure on its own. Imagine having to worry about the well-being of your employees on top of that. The average claim for a workplace injury is $41,000. Workers comp coverage could save your business from financial ruin.

Workers compensation insurance typically covers:

  • Lost wages
  • Rehabilitation costs
  • Medical expenses
  • Death benefits

Two women arranging flowers at a wedding reception

Why Get Wedding Planner Business Insurance

You may be the type of wedding planner who works as a day-of coordinator. Or maybe you handle the whole kit and kaboodle, from beginning to end.

If you're so good at organization and following a checklist or plan, you should be able to avoid risk, right? Why bother getting wedding planner business insurance?

Making a mistake or experiencing an accident could seem as rare as a couple landing their first choice venue on the exact date they desire. But in reality, it's a lot more common. In fact, a report estimated that 36%-53% of businesses surveyed get involved in a lawsuit each year.

If your wedding planning business gets involved in a lawsuit, you could be facing a hefty bill. These are some of the more common claims. Let's take a look at what they cost:

  • $50,000 for reputational harm (such as libel or slander)
  • $20,000 for a customer slip and fall
  • $30,000 for customer injury or damage

Any of these claims could mean financial ruin. Knowing you're covered up to your policy's limit can put your mind at ease.

Luckily, getting wedding coordinator insurance is easy. Answer some questions about the ins-and-outs of your business. Then Simply Business can help you compare coverage options using our free quote comparison tool here.

The good news is that business insurance is typically affordable. Simply Business has general liability policies starting for as low as $25.95/month*.

It takes less than 10 minutes — less time than it takes to arrange a wedding reception centerpiece!

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Question marks

Wedding Coordinator Insurance FAQs

  • The amount of insurance you need for your wedding planning business depends on a variety of factors. Variables that could impact your coverage are:

    • How long you've been in business
    • Where you plan weddings
    • Whether or not you have employees
    • And more

    Our quote comparison tool can help you choose coverage based on your business's needs.

  • Each state has different business insurance laws. You may need coverage, but it depends. If you have workers, it's likely you are required to have workers compensation insurance.

    Even if business insurance isn't required by law, clients and vendors may ask to see proof of coverage.

  • You can typically deduct wedding planner business insurance from your income tax. However, we recommend checking with an accountant or tax expert to be sure. How much does wedding planner business insurance cost?

    The cost of your business insurance policy depends on factors such as how long you've been in business, whether or not you have employees, and where you plan weddings.

    Use our quote comparison tool to get an idea of coverage options and their costs.

  • The cost of your business insurance policy depends on factors such as how long you've been in business, whether or not you have employees, and where you plan weddings.

    Use our quote comparison tool to get an idea of coverage options and their costs.

  • This depends on what coverage you bundle in your policy. We generally recommend getting general liability, professional liability, and workers compensation insurance.

    Bundled together, these policies typically cover:

    • Third-party bodily injury
    • Third-party accidents
    • Negligence
    • Copyright infringement
    • Lost wages
    • And more
  • Yes, insurance costs and requirements for wedding planners may differ by state. Use our free quote comparison tool to get an idea of what coverage may be available to your business where you’re located. What should I consider before buying insurance for my wedding planning business? Before you look into business insurance, have the following documents ready for reference:

    • Payroll estimates
    • Annual revenue estimates
    • Information on past claims (if applicable)
  • Simply Business licensed insurance agents can help you find coverage that fits your needs. Call 844-654-7658 to speak with a licensed insurance agent between 8 a.m.-8 p.m. ET, Monday-Friday.

Three women sitting around a table talking

Why Choose Simply Business?

You help your clients plan and execute what can arguably be one of the most important days of their lives. You have more than enough on your plate.

Choosing Simply Business means you can get coverage customized for your wedding planning business. Not only will you have options to choose from, but you'll get coverage quickly.

Over time, your goals and business may change; our policies are flexible, and we can easily change them to reflect future needs.

We get your business. You work hard to pull off an event that perfectly captures the essence of your clients' love. Let us take care of the business insurance coverage — it should be just as special (and take a lot less work)!

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This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.

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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.

© Copyright 2021 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.