Event & Wedding Planner Insurance Coverage Checklist
The coverages an event & wedding planner business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for wedding planners, event planners, and coordinators. Priorities reflect typical exposure; confirm against event types and whether client funds are handled.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability (E&O) | Covers claims that planning errors or vendor failures ruined an event or cost the client money. | Core | |
| Commercial General Liability | Covers guest injuries and venue damage tied to the planner's work; venues usually require it. | Core | |
| Host Liquor Liability | Covers alcohol-related claims at events the planner runs — often missing from GL. | Prevalent | |
| Crime / Client Funds | Covers employee theft of deposits and vendor payments. | Situational | |
| Hired & Non-Owned Auto | Covers planners driving to events or transporting guests. | Prevalent | |
| Cyber Liability | Covers client payment details and guest data. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is professional liability. General liability covers injuries, not the claims planners most often face: a vendor no-show, a missed date, or deposits that can't be recovered. Planners who handle client money should also keep it in a separate account. At large events, organizers are sued alongside venues — more than 4,000 people sued after the 2021 Astroworld crowd crush — so security, crowd, and alcohol plans matter as much as the policy.
Send us the checklist and we'll review your event & wedding planner coverage line by line, then market it across multiple carriers that compete for your account.
Related: Event & Wedding Planner Insurance · Event & Wedding Planner Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an event & wedding planner business need?
The core coverages for an event & wedding planner business are Professional Liability (E&O), Commercial General Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my event & wedding planner coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.