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As a wedding planner you do your best to make sure your clients have a wonderful, stress-free day. But when the pressure’s on to organise the perfect event, things can go wrong.
If you make a mistake that causes your clients to lose money - you forget to put in a crucial order or you mess up a booking, for example - then you may face a compensation claim from an angry bride and groom. Your professional indemnity insurance could cover the cost of the legal fees and compensation payment.
Plus, coming into contact with lots of people - including suppliers, the wedding party and guests - means that your wedding planning business is open to injury or damage claims. This is where public liability insurance can come in. Choose the insurance you need to build a tailored wedding planner insurance policy today.
You should choose your insurance carefully based on what your business needs, but these are some covers that are generally useful for wedding planners.
Professional indemnity insurance can protect you if you’re sued by a client because they believe you’ve been negligent or made a mistake in your work. Whether you’re actually at fault or not, going to court is expensive, and this insurance can cover legal costs as well as any resulting compensation claims.
Public liability insurance can protect you against compensation claims made by a member of the public for injury or damage to their property. For example you’re helping to set up a wedding and you leave boxes of decorations on the floor, which a supplier trips over. The supplier sues you for the injury they’ve suffered.
Employers’ liability insurance is a legal requirement for most businesses that employ staff. It covers claims made against you by an employee or former employee for injury or illness caused by their work. Business buildings insurance and business contents insurance can help get your business up and running again if your premises is damaged by something like fire, flood or burglary. You can also add business equipment insurance to your wedding planner insurance policy.
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.
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