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Additionally, if you have employees, you will need to provide coverage for them, should they become sick or injured while on the job. What Type of Insurance Does a Wedding Planner Need? As stated above, there are a few relevant policies that you should have as a wedding or event planner. General Liability - GL coverage is essential for bodily injury and property damage. Imagine a vendor you hire slips and falls, or you accidentally damage some expensive centerpieces. A big part of General Liability is defense costs, as a lawyer and court fees can add up quickly. Professional Liability - Arguably, the most vital policy for a wedding planner is Professional Liability. If you neglect to book the photographer or order the wrong cake topper, you will most likely be sued for negligence. Even if you did nothing wrong, the good news is this policy will also pay for defense costs. Workers Compensation / Employers' Liability - If you have employees, the chances are that your state will require Workers Compensation.
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