212. Insurance + COIs: What Every Wedding Vendor Needs to Know

Insurance might not be the sexiest part of running your business, but it’s one of the most important—and venues are requiring it more than ever from wedding vendors. 

In this episode, I’m breaking down the 3 lines of defense every entrepreneur needs: contracts, insurance, and business structure. Including everything you need to know about business liability insurance for wedding vendors, photographers, DJs, planners, and other creatives. We’ll talk about Certificates of Insurance (COIs), “additionally insured” requests, and how to make sure you’re covered before you walk into a venue.

Here’s what I cover:

• Real stories from the industry: disco balls falling, priceless vases breaking, interns walking off with wedding gifts
• Why most venues now require proof of insurance before you can work an event
• What liability insurance actually covers (and why an LLC isn’t enough)
• How much coverage you need as a photographer, DJ, florist, or planner
• Annual coverage vs. day-of event insurance policies
• What a COI is, how to get one quickly, and why venues ask for it
• The difference between a certificate holder and being listed as additionally insured

Whether you’re a wedding photographer, DJ, florist, or event planner, this episode will help you understand the insurance requirements venues ask for and protect your business from financial ruin if something goes wrong.

If you’ve been putting this off, let this be your reminder to get covered. Call your insurance agent this week and ask about general liability insurance and COIs for event work. Protect your gear, your business, and your peace of mind.

Links and Resources:

Need 1:1 legal support for your business? https://griffithsuazolaw.com/  

Join the TLP Facebook Community, a safe space to ask any questions related to the law or your business: https://tlpfacebook.com/ 

Visit The Legal Paige for contract templates, blogs, and additional legal resources: https://thelegalpaige.com/ 

Follow me on Instagram: instragram.com/thelegalpaige