• Business Property Coverage
• Inland Marine Coverage
Wedding planners are responsible for managing the logistics of couples’ big days, and planners may be held responsible if something goes awry. While a minor mistake may be quickly smoothed over, more major disasters often have undoable consequences. Wedding planner insurance can help wedding planners in Vermont protect themselves from many of the bigger risks that they face.
Wedding planner insurance is specialized commercial insurance that’s designed to meet wedding planners’ needs. So that policies can provide robust coverage, most wedding planner policies are underwritten with multiple coverages bundled together.
Most wedding planners who work in Vermont should consider protecting themselves with wedding planner liability insurance. Wedding planners frequently have limited resources to resolve a lawsuit or claim with, and the cost of lawsuits can be high once legal fees and a settlement are factored in. With wedding planner liability insurance, planners have protection against some potential lawsuits.
The coverages that these policies come with can broadly be divided into wedding planner liability insurance coverages and wedding planner property insurance coverages. The former normally protect against instances where a planner is held responsible for an incident that causes harm in some way, while the latter coverages generally cover assets owned by a planner.
Some common wedding planner liability insurance coverages are:
Some common wedding planner property insurance coverages are:
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Professional liability insurance for wedding planners is a form of errors and omissions coverage (E&O coverage). The coverage broadly protects against a variety of incidents where a professional error has a negative impact on a client. The coverage might apply if a wedding planner:
An insurance agent who’s familiar with wedding planner policies can more fully explain what instances this coverage normally applies to. The agent can also review a specific policy’s coverage to check what sorts of incidents it does and doesn’t include.
Wedding planners generally use their vehicle for work, and such driving normally isn’t covered by a standard personal auto insurance policy. Whether a full-fledged commercial policy is needed, however, usually depends on what options a personal policy affords.
Some personal auto policies can be adapted to cover certain types of work-related driving, perhaps including the driving that a wedding planner does. If an option like this isn’t available, a commercial policy is likely necessary.
Evaluating a personal auto insurance policy’s coverage and determining whether a commercial policy is needed is something that a knowledgeable insurance agent can assist with.
If you’re a wedding planner in Vermont and need assistance with insurance, contact us at Paige & Campbell Insurance. Our independent insurance agents will help you assess coverage needs, and then they can compare multiple insurers’ offerings to see which wedding planner insurance policy best meets your needs. With our help, you can be confident in the coverages you choose.
Barre
P.O. Box 469
297 North Main Street
Barre, VT 05641
(802) 476-6631
Bradford
P.O. Box 392
25 North Main Street
Bradford, VT
(802) 222-5222
Waitsfield
5197 Main Street, Suite 3
Waitsfield, VT 05673
(802) 496-3118
This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.
Mike Bancroft is simply an amazing agent. When my business got burglarized, I was so upset and didn't know what to do. I contacted Mike and he was very prompt in calling me back and he put my mind at ease. He made me feel so much better and handled all of the paperwork immediately. His customer service is top notch and I highly recommend him to be your insurance agent!