Wedding planners coordinate vendors, venues, and guests, which means one mistake or accident could have big financial consequences. The most important coverages include:
- General Liability – Protects against third-party injuries or property damage during events.
- Professional Liability (E & O) – Covers claims tied to scheduling errors, missed details, or failure to deliver promised services.
- Commercial Property Insurance – Protects office space, equipment, and supplies from fire, theft, or damage.
- Workers’ Compensation – Required in most states if you employ staff to cover workplace injuries.
- Business Owner’s Policy (BOP) – Combines property and liability coverage for added protection.
