FAQ_category: (HIDDEN) Industry FAQs

There is no nationwide law requiring wedding planners to carry insurance, but: 

• Workers’ compensation is legally required in most states if you hire employees. 

• Many venues require proof of liability coverage before allowing planners to coordinate on their property. 

• Clients often ask for proof of insurance as reassurance that their event is protected. 

Even when not mandated by law, carrying insurance shows professionalism and opens doors to larger, more profitable contracts. 

Yes! With the right policies: 

• General liability can cover slips, trips, or accidents that occur during events. 

• Professional liability can help if a client alleges financial loss from poor planning or a missed deadline. 

• Property coverage protects equipment or office space if it is damaged or stolen. 

Insurance gives planners confidence that unexpected mishaps will not derail their reputation or financial stability. 

On average, wedding planners pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

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. 

It depends:  

• Workers’ compensation is legally required in nearly every state if you employ workers. 

• Some states and municipalities may also require proof of liability insurance to operate as a licensed landscaping business. 

• Even if not legally mandated, most commercial and residential clients expect landscapers to carry insurance before awarding contracts. 

• Having coverage demonstrates professionalism and positions you as a trusted, reliable service provider.