Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK wedding planners — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Planning weddings means coordinating suppliers and managing client expectations, both of which carry their own liability exposure. Here's what shapes the right cover.
A missed deadline, a miscommunicated brief, or a booking error can cause a couple real financial loss on a day that can't be repeated. Professional indemnity cover responds to claims of negligent advice or service, which public liability alone doesn't cover.
If a supplier you've booked or recommended causes damage or injury and doesn't carry adequate insurance, the couple may look to you as the point of contact. Asking suppliers for proof of public liability cover before booking reduces this exposure.
Many wedding venues set their own minimum public liability requirement for planners and suppliers working on site — commonly £5 million — as a condition of access. Confirm this before the booking rather than assuming your standard limit applies.
Weddings are cancelled or postponed for reasons outside your control — venue closure, supplier failure, family circumstances. Being clear in your contract about fees, and holding appropriate cover, reduces the risk of a dispute turning into a claim.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers legal costs and compensation if a client or third party is injured or has property damaged as a result of your business activities.
Covers claims of negligence, errors or bad advice. Essential if you provide professional services, advice or designs to clients.
Legally required if you employ anyone. Covers employee injury or illness claims. Minimum £5 million cover by law.
Covers business equipment, tools, cameras and specialist kit against theft and accidental damage — at your base and on the move.
Replaces lost income if your business is unable to operate due to an insured event. Covers ongoing fixed costs during recovery.
Covers legal costs for contract disputes, debt recovery, HMRC investigations and employment tribunal defence.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
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