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What Coverage

does your business need?

As a small-business owner (or someone thinking about opening a small business), your head is probably spinning over the choices when it comes to the types of insurance coverage your company needs. It’s important how each type of coverage protects you, your employees and your business.

Event/Wedding/Party Planner Insurance

As a wedding planner, even if you not planning a royal wedding, it’s still challenging to pull together all the details of a bride and groom’s special day. Coordinating all the moving pieces of an amazing wedding takes a lot of hard work, attention to detail, and dedication. While planning a wedding can be glamorous and fun, it’s not without stress. Your client’s depend upon you to orchestrate a wedding that comes off without a hitch. In most cases, that’s exactly what happens. But sometimes, even with the most diligent preparation, mishaps happen. That’s why it’s important to have wedding planner insurance.

 

Let’s take a look at the most appropriate business insurance for wedding planners.

 

Wedding Planner General Liability Insurance 

 

General liability wedding planner insurance protects you and your business when mishaps, unforeseen accidents, or other unexpected situations occur before or during the wedding. General liability insurance protects you, the wedding planner, against financial loss, while also affording protection to your bride and groom.

  • Premises liability.When the bride and groom visit your office or retail location, you can have peace of mind that you are covered should an accident of bodily injury occur on your premises. In the event that your property gets damaged or client medical costs are incurred due to an injury, rest assured that you’re protected with the premises liability component of your general liability insurance policy.
  • Product liability.Do you sell products, such as wedding invitations, centerpieces,or wedding party gifts as part of your wedding planning business? If so, you should consider products liability insurance that provides financial protection — including legal defense costs — should a product cause harm or injury from its use. Evenmore important if you are the manufacturer of these products.
  • Completed operations. In the event that one of clients decides after you completed planning their wedding that your services caused them suffering, pain,or damages, completed operations insurance can provide payment for judgments, repair,settlements, medical costs, and legal defenses.

 

Wedding Planner Commercial Auto Insurance

 

 

If you use a car, truck or van in your wedding planning business, then commercial auto insurance provides you with monetary protection in case of an accident. It not only covers the physical property damage to the vehicles involved in an accident, but can pay medical expenses for physical injuries sustained in the accident. Business auto insurance also pays for losses due to theft. You’re also covered should you rent or lease a vehicle to haul materials for the wedding, even if you don’t own the vehicle. Similarly, if your employees use their own vehicles in helping you plan a client’s wedding, non-owned automobile insurance can provide coverage for third party bodily injury and property damage.

 

Wedding Planner Workers’ Compensation

 

Workers’ compensation is an important wedding planner insurance if you have employees working for you in your wedding planning business. Although individual states have varied requirements, workers’ compensation insurance is mandated by law. In essence, workers’ compensation provides your employees with coverage against occupational illnesses and work-related accidents. For example, if a worker falls from a ladder while putting up wedding decorations, workers’ compensation insurance would provide coverage for medical and rehabilitation expenses, as well as lost wages while your employee is recovering from the fall.

 

Wedding Planner Business Owners Policy

 

Whether you wedding planning business is a startup or a long-standing business, it’s vital to protect not only your business assets, but your own personal assets as well. A business owner policy, referred to as BOP for short, can be customized to meet the unique needs of your wedding planner business. However, wedding planners typically construct a business owners policy insurance that includes business interruption insurance, liability insurance, and crime insurance, just to name a few. For example, should a bride sue you for allegations of negligence in planning her special day, awarded damages and litigation costs would be covered under a business owners policy.

 

Wedding Planner Commercial Umbrella Insurance

 

If your other wedding planning insurance policies have maximum limitations on claims or have certain exclusions, your commercial umbrella insurance policy can pick up coverage where your primary policies leave off. This type of policy is meant to provide extra or supplemental coverage, and many wedding planners find that it gives them the extra peace of mind that you want. You’ve spent months — or perhaps years — planning the once-in-a-lifetime day for your blushing bride and proud groom, and your clients rely on your expertise and skill to plan their perfect day. You’ve put a lot of hard work, time, and effort in planning each and every wedding — and take great pride in this fact. So make sure you’re fully protected with wedding planner insurance.

 

As a wedding planner, even if you not planning a royal wedding, it’s still challenging to pull together all the details of a bride and groom’s special day. Coordinating all the moving pieces of an amazing wedding takes a lot of hard work, attention to detail, and dedication. While planning a wedding can be glamorous and fun, it’s not without stress. Your client’s depend upon you to orchestrate a wedding that comes off without a hitch. In most cases, that’s exactly what happens. But sometimes, even with the most diligent preparation, mishaps happen. That’s why it’s important to have wedding planner insurance.