What insurance do I need as a wedding planner?

Short answer

As a wedding planner you need public liability insurance and professional indemnity insurance. You may also need employer's liability cover if you have staff. Check with your professional body or insurer for exact requirements.

As a wedding planner, your main covers are public liability and professional indemnity insurance. Public liability protects you if a client, guest or supplier is injured or their property is damaged because of your work. Professional indemnity covers you if a client claims your advice or service caused them financial loss. If you employ anyone, even part time, you usually need employer's liability insurance by law. You might also consider cover for your equipment, such as laptops or cameras, and for cancellation or postponement of an event you have planned. Policies vary, so read the terms carefully. Some venues or suppliers may ask to see your insurance before they work with you. You can buy cover as a package or separately. The cost depends on your turnover, the size of events and your claims history. It is wise to compare quotes from several insurers and ask exactly what is included. If you are unsure what you need, speak to an insurance broker who understands event work. Legal requirements can change, so check GOV.UK for current rules on employer's liability and any other compulsory cover.