Wedding planner insurance
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For 80% of settled claims
Why do you need wedding planner insurance?
From that first referral to the last dance of the night, you make the magic happen. It’s the human touch – with impeccable organisation skills – which sets your work apart, but also exposes you to risk. Wedding planner insurance can cover you for accidents during the design stages, from property damage to laptop theft.
- protect yourself against big claims for things like a breach of contract
- cover for the specifics from your employees to your phone and laptop
- work with peace of mind, knowing legal and medical costs are covered
What does insurance for wedding planners cover?
We’ll build your insurance around the business you’re running. Maybe it’s just you, working solo, or you have a team and need employers’ liability cover. Or you might want to learn more about public liability insurance for wedding planners, which can cover you for an injury or property damage during the planning stages.
Do you help clients plan other big events, like parties and christenings? Our event organiser insurance might give you the broader cover you need.
Public liability insurance
For injury or property damage, caused by your wedding planner business.
Employers’ liability insurance
In case your employee gets sick or injured because of working for you.
Professional indemnity insurance
In case a client loses money because of your advice, services or designs.
Business and office equipment insurance
In case something happens to equipment like your laptop.
Legal expenses insurance
In case you’re faced with legal costs from running your wedding planning business.
Personal accident insurance
In case you or anyone you’ve covered has an accident at work, or elsewhere.
Public liability insurance
For injury or property damage, caused by your wedding planner business.
What’s typically covered by public liability insurance for wedding planners?
Claims against your business for:
- damage to someone’s property, because of your work
- an injury caused by your business activities
- accidental damage or injury caused by your employee, if you have one
If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.
For example:
- during a planning meeting you spill a cup of coffee on some dress fabric your client is planning to use
- while visiting a venue with your client, you back your car into them, breaking a bone in their foot
What you’ll need additional cover for
- cover for the wedding itself, including cancellations and risks to attendees – you or your client may need specialist wedding event insurance for this
Read more about public liability insurance
Employers’ liability insurance
In case your employee gets sick or injured because of working for you.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an employee suing you because they get injured or fall ill as a result of working for you (including temps and casual workers)
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- your assistant trips over a loose floorboard in your office entrance, breaking their wrist
- you order the wrong type of desk chair for your pregnant employee, making their sciatica worse
Professional indemnity insurance
In case a client loses money because of your advice, services or designs.
What’s typically covered by professional indemnity insurance for wedding planners?
Claims against your business for professional negligence and breach of contract which causes your client a financial loss. This could include:
- advice you’ve given which turns out to be incorrect
- errors in your work which cost your client money
For example:
- you recommend a florist in the planning phase but their contract falls through a week before the wedding, costing your client money
- an oversight on your part pushes the client over budget by £5,000, but your contract agreed a set amount
Read more about professional indemnity insurance
Business and office equipment insurance
In case something happens to equipment like your laptop.
What’s typically covered by business and office equipment insurance?
- theft of the equipment you use to run your business
- accidental loss of your equipment
- flood, fire or accidental damage
For example:
- you accidentally drop your laptop during a meeting at the venue, damaging the screen
- your client is showing you a website on your phone, but drops it onto a stone floor
Read more about business and office equipment insurance
Legal expenses insurance
In case you’re faced with legal costs from running your wedding planning business.
What’s typically covered by legal expenses insurance?
- legal costs associated with day-to-day operations, like an employee dispute
- property damage, nuisance or trespass and associated legal costs
- HMRC, tax and compliance issues, if they come up
- includes a tax advice helpline, a 24/7 confidential legal helpline and crisis PR support to help you protect your reputation, as a sought-after wedding planner
For example:
- your client is refusing to pay your final invoice, claiming you haven’t fulfilled certain obligations in the contract
- an employee makes a claim against you for unfair dismissal, and you need to defend your legal rights
Read more about legal expenses insurance
Personal accident insurance
In case you or anyone you’ve covered has an accident at work, or elsewhere.
What’s typically covered by personal accident insurance?
- injury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
- lost income, hospital bills or other medical costs associated with the accident
For example:
- you’re on your way to meet a supplier and trip on an open drain in the pavement, injuring your leg and delaying work for two days
- your assistant catches their hand in a cake mixer at the weekend, injuring two fingers
Read more about personal accident insurance
How much does wedding planner insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £3.19 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
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10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
Example wedding planner quotes, real prices
£10.20 /month
£82.03 /year
A part-time wedding planner specialising in small to medium-sized events
- Less than 1 years' experience
- Sole trader
- No employees
- Based in Bournemouth
Professional indemnity
£50,000
Public liability
Not included
Employers’ liability
Not included
£52.85 /month
£469.78 /year
A small family-run business offering full wedding planning and on-the-day management services
- 5+ years' experience
- Limited company
- 2 employees
- Based in York
Professional indemnity
£250,000
Public liability
£2,000,000
Employers’ liability
£10,000,000
How we work out example quotes These examples are real quotes from our online system (created 20/01/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Professional indemnity | No excess | £2500 |
Public liability | £100 | £2500 |
Employers' liability | No excess | No excess |
Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
How it works
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Which type of workers do I need insurance for?
Does wedding planning insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
Which type of workers do I need insurance for?
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Does wedding planning insurance cover my work correctly?
Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider catering insurance or makeup artist insurance?
Do I need cover for other types of work?
If you provide other services, make sure you’re covered:
Other types of insurance
Which public liability cover limit should I choose?
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
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How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
£39 million in claims paid out in 2022
Paying 80% of settled claims within 24 hours in 2022
Chosen by 900,000 small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their business insurance.
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Rated 4.7/5
Based on 39,770 reviews
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Wedding planner insurance FAQ
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about wedding planning insurance. You can also check out our business insurance FAQs.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 043 8527 to update your policy before you take on this new work. If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that when planning your client’s wedding, public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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