As a wedding planner, you help brides feel prepared for every minute of their special day. But do you exercise that same meticulous attention to detail when it comes to choosing your business insurance for wedding planners? If you're not happy with your current insurance, or if you're looking to save money on insurance rates (and who isn't these days?), it's time to shop around and compare policies and premiums for wedding planner insurance. You might be pleasantly surprised at how much you can save.
Consider Your Current Coverages for Wedding Planner Insurance
Just as you review every detail of a wedding and reception right before an engaged couple's big day, you should, before your policy renewal date, take a close look at all the details of your current business insurance for wedding planners.
Your office and the equipment and files in it should be covered under the business property coverages of your wedding planner insurance. But are you covered for every hazard? A standard business property policy would pay off in the event of a fire, but it would probably not provide any financial protection if your office was damaged by a backed up sewer, a flood, or an earthquake. Check your business insurance for wedding planners policy carefully to make sure that you understand all the exclusions, and ask an agent about getting riders or separate policies if you want additional coverage.
Has your business grown or shrunk over the past year? Do you employ more (or fewer) people than you did in the past? That will impact your workers compensation insurance. Do you have a vehicle that you use for business? Did you drive substantially more (or fewer) miles than you did previously? The rates you pay for commercial vehicle coverages that you have as part of your business insurance for wedding planners could be impacted by that change.
An important wedding planner insurance coverage is liability insurance. Even when you've done everything you can to make sure that the newlyweds have the wedding of their dream there are things that are out of your control. Suppose a guest going into the reception trips on a stairway and severely injures himself. Although you wouldn't be the primary responsible party, you could be taken into court simply because you booked the venue. Having adequate liability coverage will provide money for the legal representation you need and also for any judgments against you.
Find the Best Rates for Wedding Planner Insurance
Once you've done your review of your wedding planner insurance coverages, it's time to shop around for the best rates. You can go through the yellow pages and start cold calling insurance agents, explaining your business over and over. Or you can go to netquote.com, fill out a single form about your business and your insurance needs, and receive in return quotes from several insurance agents in your area. When you go to netquote.com you'll get competitive rates on your business insurance for wedding planners from companies who are interested in working with you. You couldn't plan that better yourself.
See how much you could save today on your insurance. Get your free business insurance quotes today!