Wedding Planner Insurance

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Why do I need Wedding Planner Insurance?

It should come as no surprise that wedding planning can be a stressful affair, even on the best of occasions. And understandably so, seeing as it’s a momentous day. For the bride, groom, and their families, this is a cherished cultural milestone. It is a celebration of two individuals, the union of their families, and the promise of a love-filled life to come.

For a wedding event planner, this day is your time to shine. Yet, it’s also when any mishaps, mistakes, or accidents are likely to occur. With the various moving pieces of a happening wedding, we don’t need to inform you that there are always risks. To be able to do your job efficiently and with peace of mind, you need to know that, if something goes awry, you’ve planned for it. After all, that’s what you’re best at.

Let us introduce Thimble’s Wedding Planner Insurance.

The sheer number of independent contractors you rely on to execute their jobs responsibly is staggering in the matrimonial business: catering, venue, service staff, music, etc., if even one fails to deliver, the blame could land on you.

Regardless, you and your business should be protected in the event someone tries to bring misplaced blame to your door. Having the proper liability insurance policy in place is the safest way to guarantee your peace of mind in an industry so dependent on external vendors.

General liability insurance protects wedding planners from third-party claims of bodily injury or property damage, insulating you from claims made by venues, guests, or contractors. Professional liability insurance for wedding planners protects from claims of negligence or mistakes related to your services. If any small detail goes awry and someone claims your actions are directly responsible for their loss, Thimble’s Wedding Planner Insurance policy will help protect you from these risks.

Quick thinking insurance for small businesses.

What does Wedding Planner Insurance cover?

The Wedding Planner Insurance arranged by Thimble is designed to protect you from liability in situations like the following:

Third-party, non-employee bodily injury

While at the venue, the cooking staff is prepping one of the appetizers: tomato soup. Unfortunately, as a guest is looking for the bathroom in the wrong area, they trip over a stray ladle. Being that they’re athletic, they’re able to rebalance. But not in time to miss a chef barging through the walkway with a hot pan of tomato sauce, smacking this guest to the floor. Due to the impact the guest sustained on their wrist, they want you to pay the medical bill.

Third-party property damage

Your hardworking assistant is liaising with the video and photography teams, ensuring that great footage is captured on the special day. She points toward a sunset shot of the bride and groom, the photographer follows her direction but hits her arm with his Nikon, causing it to drop. The following day, you receive an invoice for a new lens that was caused by your assistant.

Defense costs

On the day of the wedding, the wedding band is a complete no-show. They were recommended and arranged by the venue, who is refusing to reimburse the bride’s parents. You’re named in the ensuing lawsuit, despite the booking of the band being completely on the venue’s part. Now, you’re forced to lawyer up.

Errors & omissions

You show an engaged couple several wedding venues and give your recommendations as to the pros and cons of each. The couple chooses a venue that is loftier in price, which you made clear both while showing and when they made the deposit, but the day after the wedding they’re infuriated with the price tag. They sue you for negligence, claiming you never gave them the accurate quote upfront.

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How much does wedding planner insurance cost?

The policy rate for Thimble’s Wedding Planning Insurance is based on several risk factors dictated by your planning business. These include your location, the crew size, and the coverage limits you select. But unlike other insurers, Thimble is designed for you to only pay for what you need—whether that’s by the hour, day or month is completely up to you.

You get as many Additional Insureds and can send as many clients and vendors your Certificate of Insurance as you want, free of charge.

Protect your wedding planning business with flexible, on-demand or monthly insurance coverage from Thimble.

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Wedding Planner Insurance FAQs

How quickly can I get a Certificate of Insurance?

The moment you think your wedding planning business requires insurance, Thimble is on hand to give you an immediate, free quote. Within seconds, you can have a Certificate of Insurance (COI) waiting in your inbox.

As a wedding planner, you’ll need to engage services with lots of other vendors. In order for them to remain in good standing, they will want to make sure they’re in business with an upstanding person themselves. They will most certainly ask for a Certificate of Insurance. With Thimble, you can show it to them right from your phone.

But what if you don’t need coverage until closer to an event? No problem. Thimble still has you covered. You can get a Certificate of Insurance any time after you book your coverage, even if the policy hasn’t started yet. Schedule a policy up to 6 months in advance, and cancel up to 1 hour before it’s set to start, risk-free.

If you find yourself needing to amend your plan, open the Thimble app and edit your coverage options instantly!

The wedding planning company I work for already carries business insurance. Do I need my own wedding planner insurance policy?

In short, yes. Consider this example: you’re a young college graduate, hustling to make it in the wedding planning business, and you work hard for your boss, but you have dreams of being your own boss one day. You already started enacting these dreams by taking on smaller clients, the ones you know your boss has no interest in. These jobs are still not enough to pay all your bills, so a constant coverage policy makes no sense for your budding business. Where do you turn?

Look no further than Thimble. With the ability to choose coverage by the hour, day or month, you can secure a quote that makes sense for your upstart business. And with the ease of Thimble’s app, your policy can be opened, edited and canceled all from the speed, comfort and convenience of your phone.

What are the Wedding Planner Insurance policy limits?

Policy limits are determined by the needs of your business, but you can select a policy of $1 million or $2 million. The level of risk you’d like to be insured against will also play a factor in your Wedding Planner Insurance policy rate.

Are workplace injuries of my staff covered?

No, they are not. General Liability insurance will only provide coverage to injuries that occur to third parties, not those you directly employ. In the event a wedding requires additional help, a smart coverage alternative would be purchasing a workers’ compensation policy. This kind of insurance provides coverage for an accidental injury sustained by your staff or subcontractors.

Does Thimble’s Wedding Planner Insurance cover damage to my equipment?

Also no. General Liability insurance only provides coverage for damage to your client’s property or that of a third party. Let’s say you’ve purchased your own video and photo equipment for all the additional wedding needs, and you store all that equipment in a panel van along with other necessaries—then it may be wise to purchase commercial property or auto insurance to ensure you’ve got 360 coverage.

How do I get Wedding Planner Insurance with Thimble?

Getting a quote for your wedding planning business has never been easier than it is with Thimble. All we need from you is some details about your wedding planning business: including your zip code, desired insurance coverage length (your choice on hourly, daily, or monthly policies), and the policy limit desired. With that info, we can generate an instant quote, outlining your Wedding Planner Insurance costs. If you click to purchase, you’ll get a Certificate of Insurance immediately.

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