Wedding planner insurance
Planning a wedding is part art, part logistics, and a whole lot of pressure.
As a wedding planner in Montana, you’re the go-to person when dreams are on the line and things absolutely have to go right. But even with your expertise, things can go wrong—and when they do, you don’t want your business to pay the price. That’s why wedding planner insurance from Cogswell Insurance Agency is a must-have.
We help wedding planners stay protected from unexpected incidents, delays, or disputes that could otherwise derail your business and reputation.
Why do you need wedding planner insurance?
You’re the person couples count on to make their day perfect. But with so many moving parts—vendors, venues, weather, personalities—there’s always a risk something could go wrong. If the florist fails to deliver, the venue has an accident, or a client blames you for a last-minute change, you could be on the hook legally and financially.
That’s where Cogswell Insurance Agency comes in. We work with event professionals across Montana to provide customized wedding planner insurance that protects you from claims of negligence, cancellations, property damage, and more.
What does wedding planner insurance cover?
General liability
Covers property damage or bodily injury that happens during wedding planning activities or at the event itself.
Professional liability
Also known as errors & omissions insurance, this protects you from claims of negligence, planning mistakes, or missed deadlines.
Event cancellation coverage
If a wedding must be canceled due to weather, illness, or other factors, this helps reimburse you for non-refundable costs and lost income.
Business personal property
Protects your laptops, phones, decor items, signage, and equipment from theft or damage—on-site or in transit.
Hired & non-owned auto
If you or your staff use personal or rented vehicles to travel to venues or appointments, this covers accidents and liability.
Workers’ compensation
If you have a team helping with set-up or coordination, this protects them (and you) in case of on-the-job injuries.
Typical wedding planner claims we cover
Here are a few examples of the kinds of claims we’ve seen from professional wedding planners—and how the right insurance from Cogswell Insurance Agency can help protect your business:
| Claim Type | Scenario | Coverage Used |
|---|---|---|
| Client Slip & Fall | Bride trips over a power cord during a site walk-through | General Liability |
| Vendor No-Show | Photographer fails to appear and client blames you for poor coordination | Professional Liability |
| Weather Cancellation | Outdoor ceremony rained out, couple demands refund | Event Cancellation |
| Lost Equipment | Decor items stolen from your car while setting up | Business Personal Property |
| Vehicle Accident | You rear-end another car on your way to a vendor meeting | Hired & Non-Owned Auto |
Why choose Cogswell Insurance Agency?
We get it—you’re not just planning an event, you’re crafting one of the most important days of someone’s life. At Cogswell Insurance Agency, we help wedding planners across Montana stay protected from the unexpected so you can focus on what you do best: delivering a flawless, unforgettable experience.
From fast quotes to responsive service and customizable plans, we make it easy to protect your passion.
Protect the day–and your business
Your clients trust you with their big day—make sure you’ve got someone protecting yours. With wedding planner insurance from Cogswell Insurance Agency, you’ll gain peace of mind, professional credibility, and a solid financial safety net. Call us at 406-761-5000 or request a free quote online today!
Looking for a different business insurance solution? View all Business Insurance solutions we offer.
Ready for the next step? Call us at (406) 761-5000 or