Wedding & Event Planner Insurance
Liability insurance for wedding planners & events organisers from £59* per year
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What is wedding and event planner insurance?
As a wedding or event planner, your job is to give your clients the best possible day, and make sure you deliver on all the terms outlined in your contract. Given your passion and experience, things should run smoothly most of the time, but that doesn’t mean accidents are out of the question. You’d be surprised at how costly even the simplest mistakes can be, resulting in claims, loss, or damages to your beloved business. This is why we offer a specialised wedding and event planner insurance policy. With this all-important protection, your livelihood will always be covered against any unexpected legal fees or compensation payments.
Why do you need wedding & event planners insurance?
Planning a special event is never a walk in the park, even for the most experienced party and wedding planners. There’s an endless list of things to consider for the big day—catering, venue, music, and even the decorations. But the one thing you’re probably not thinking about is the potential accidents that could happen along the way. Even something as simple as the bride-to-be tripping over your bag during a consultation could result in a hefty compensation claim costing a fortune, so it pays to have the right protection against unexpected situations like this. With Tradesman Saver’s wedding and event planner insurance, you’re safeguarded against all the risks you could face in your profession. Simply customise your policy with our online quote form and get the protection you need in minutes.
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
No need to wait for your documents. Our tradesman cover starts from the moment you purchase.
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
Wedding & Party Planner Public Liability Insurance
Running your own business as a wedding or party planner can get pretty hectic. While the day-to-day duties can quickly seep into your personal time, the one thing you really don’t want to cross over into your personal time is trying to buy your insurance. But with so many insurance terms to digest and understand, sometimes trying to find the right insurance policy for you can leave you more confused than when you started! Fortunately, there really is only one insurance cover you need to know about, and that’s public liability insurance. Public liability insurance is absolute vital when choosing your wedding and party planner’s insurance policy and it acts as the backbone of your entire policy. It’s specifically designed to cover against injuries to third parties or damage to their property, and it comes into effect whether it’s a client making a claim or a member of the public. It’ll cover situations like a member of the public tripping over your bag or spilling hot coffee on a client, and ensure that no matter what happens, your business is protected.
Tradesman Saver’s Public Liability Cover For Wedding & Event Planners
Our standard cover is:
- Up to £5 million cover for public and products liability
- £10,000 cover for any financial loss (£50K cover optional)
- Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)
Public liability insurance is one of the most important covers that events organisers and wedding planners could have. This provides protection against any claims made as a result of your business activities causing personal injury or property damage. For instance, if you were decorating a stately home in preparation for an upcoming ceremony, and accidentally knocked over an expensive vase, public liability insurance would leave us, and not your business, responsible for paying any resulting claims. When you purchase public liability with Tradesman Saver, you’re also automatically covered for financial loss, legal expenses, product liability, and accidental death.
Another important part of wedding and event planner insurance is professional indemnity cover, which you can claim if a client believes you’ve been professionally negligent, or made a serious mistake in your work. This could be because you’ve booked a venue for the wrong date, or failed to secure the vendors as agreed. You may be required to go to court even if you aren’t at fault, but professional indemnity means you won’t have to pay any legal costs or compensation claims.
If you employ a team, you are legally required to hold employer’s liability insurance, while you may want to consider business contents insurance in case your premises is damaged by something like a fire or a burglary. Here at Tradesman Saver, we have all the coverage required for wedding and event planners and can put together a personalised insurance plan depending on the needs of your business.
The Insurance You Want On Your Side When Things Get Tough
Party and wedding planners can be hectic enough – the very last thing you want to have to deal with when you’re trying to plan an event for a number of guests is for an accident to happen. And even though planning a wedding or party is a fairly low risk occupation, even the smallest of accidents can lead to huge compensation claims. It’s important to know exactly how your insurance could help protect you when the worst happens. Here are but a couple of situations where your insurance could help save you from a claim:
You’re planning a wedding for a young couple and they’ve come in for a consultation, to discuss what they want for their wedding reception. But as you’re going through your planner discussing their options, the bride-to-be gets up to use your toilet and trips over your bag, badly spraining her ankle. They decide to seek compensation for her injury. Fortunately, your public liability insurance has your back here – it’ll cover the costs of the claim for you, so your business doesn’t have to suffer at the hands of an accident.
A shattering realisation
You’re planning a 40th birthday party and you’re at a client’s house, discussing the various options they need to consider about their party. But as you get up to leave, your bag knocks over an antique vase on the mantelpiece, causing it to smash into a million pieces. Your client decides to claim compensation for the damage. This is where your public liability insurance steps in – it’ll cover the costs of the damage for you, so you’re free to focus on running your business.
Wedding & Event Planner Insurance
Wedding and Party Planner Insurance: Frequently Asked Questions
Do wedding and event planners need insurance?
Working as a wedding planner or event manager doesn’t seem particularly risky at face value, but when your job involves working face-to-face with members of the public, accidents always have the potential to be more costly than you may expect. A simple slip or trip while preparing for a special occasion could result in serious injury or significant property damage. And without protection, your business may struggle to pay any compensation or legal fees. This is why a dedicated package of cover, including public liability insurance, for events organisers and wedding planners, can prove vital to those working in these professions.
What kind of insurance does a wedding and events planner need?
Public liability insurance is one of the most important covers you could have as a wedding and events planner, as this protects you against any accidents that take place while doing your work. Taking out public liability with Tradesman Saver also automatically entitles you to legal expenses, product liability, financial loss, and accidental death cover as part of our standard insurance package. Additional policies will depend on the needs of your particular business. For instance, you must legally be covered for employer’s liability if you employ staff, while income protection is optional, guaranteeing you regular payments if you’re temporarily unable to work. To put together your perfect insurance plan, contact us to discuss your options today.
How much is wedding and event planner insurance?
You can purchase wedding and event planner insurance with Tradesman Saver for as little as £53, which includes public liability and the additional four covers that are part of our standard, automatic package. However, the price could vary depending on a number of factors. The size of your business, for example, or the decision to purchase any additional covers will impact the final cost. For the best price indication, get your free and instant quote with Tradesman Saver today.
Very simple process throughout buying my insurance, many options to buy exactly what I needed. At a reasonable price compared with many other insurance groups. Well recommended.
Really helpful advisor, looking forwards to working with you
Took no time at all! Was a better price and more cover as standard than those pesky comparison sites!