What insurance does a wedding planner need?
Not all professions face the same risks. Below is a breakdown of every coverage type relevant to wedding planners — what each one covers, whether it's required, and what you should expect to pay in 2026.
Professional Liability (E&O)Required
$30–$80/mo
Core protection for planners. Covers client claims over vendor failures, budget disputes, and event problems attributed to your planning.
General LiabilityRequired
$20–$50/mo
Covers injuries and property damage at venues during the planning process and on the wedding day.
Event Cancellation
$15–$40/mo
Covers non-refundable deposits and costs if a wedding must be cancelled due to covered events.
Cyber Liability
$10–$20/mo
Covers client data breaches and payment information security.
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Top risks for wedding planners
- Vendor cancellation causing event failure
- Budget overrun dispute
- Venue damage during event
- Injury at wedding
- Data breach of client information
How much does insurance cost?
Most wedding planners pay $50–$150/month for a complete coverage package. Your exact cost depends on your state, annual revenue, whether you have employees, your claims history, and the coverage limits you choose.
Frequently asked questions
What if a vendor I booked cancels last minute?
If a vendor you contracted cancels and it ruins the wedding, the couple may sue you. Professional liability insurance covers your defense even if the vendor was at fault.
Do venues require wedding planners to have insurance?
Most high-end venues require wedding planners to carry general liability insurance and name the venue as additional insured. Always check venue requirements before signing contracts.
How much does wedding planner insurance cost per year?
Most wedding planners pay $600–$1,800/year depending on number of events per year and coverage limits.
How to get the best rate
The fastest way to find the lowest rate is to compare multiple carriers side by side. Most wedding planners can get quotes from 3–5 insurers in under 10 minutes and receive their certificate of insurance the same day.