Finding the Best Event Insurance for Wedding Content Creators: Options & Pricing

For wedding content creators, insurance is something that often comes up, especially when working with certain venues. Some wedding venues require a Certificate of Insurance (COI) for all vendors, while others may waive the requirement for certain wedding vendors.

Even if a venue doesn’t require it, insurance can provide protection in case of accidental property damage, injuries, or client disputes. Whether you’re looking for affordable monthly coverage or one-day event insurance, here are some options that other wedding content creators have used and suggested.

Do Wedding Content Creators Need Event Insurance?

Carrying insurance as a wedding content creator is beneficial to meet venue requirements and also for personal liability protection. Though some venues do waive the insurance requirement for content creators, policies vary by location and carrying insurance is a safety net to protect you and your business.

While some content creators opt in for yearly coverage, others choose one-time (or day-of) coverage. It depends on personal preference, insurance prices, and yearly bookings.

In general, business insurance can help cover event cancellations, unforseen accidents, property damage, and more.

Here are some insurance providers that wedding content creators have mentioned using, along with their costs and coverage details. To get exact quotes for your business, visit the insurance company's website directly.

Insurance Options for Wedding Content Creators

NEXT Insurance

NEXT Insurance is a digital-first provider that offers affordable small business insurance. Many wedding content creators find it easy to manage through their mobile app, where they can quickly generate a Certificate of Insurance (COI) if a venue requests it. NEXT’s plans include general liability coverage, which can help protect against accidental damage or client disputes.

Cost: Starts at $15/month

Coverage: General liability, business insurance, COI availability

PPA Insurance (administered by Lockton)

Lockton is a well-established insurance provider that offers comprehensive coverage for small businesses, including content creators. With an annual policy, it may be a good option for those who regularly book weddings and want year-round coverage instead of a short-term or event-specific plan.

Cost: Around $250/year

Coverage: General liability, business coverage

Thimble Insurance

Thimble offers on-demand insurance, making it a flexible choice for wedding content creators who don’t need year-round coverage. Some creators have reported using Thimble by selecting the photographer category, which allows them to get one-day insurance for as little as $27 per event. Since Thimble provides a COI instantly, it can be helpful for last-minute venue requests.

Cost: $27 for a 10-hour wedding 

Coverage: Short-term general liability, COI availability

Eventsured

Eventsured provides event-based insurance, which may be useful for wedding content creators who need coverage for a single event rather than a long-term policy. The pricing depends on the event type and location, and some creators have mentioned adding the cost into their service fee when needed.

Cost: Varies per event

Coverage: Event-specific liability insurance

Full Frame Insurance

Full Frame Insurance offers insurance specifically designed for photographers and videographers, making it a potential option for wedding content creators who need coverage similar to photography businesses. They offer both day-of coverage and annual policies, which can provide flexibility based on how often a creator books weddings.

Cost: Varies (Day-of and annual options available)

Coverage: Photography & videography insurance

How to Choose the Right Insurance for You

The best event insurance for wedding content creators will depend on how often you book weddings and what coverage you need.

• If you work weddings occasionally and only need coverage when required, a one-day policy could be useful.

  
  

• If you book weddings regularly, a monthly or annual policy will provide more consistent coverage without worrying about finding insurance when last-minute wedding bookings come up.

Since insurance policies and pricing vary, it can be helpful to compare quotes directly with the insurance provider and check directly with venues about their requirements before deciding on a plan.

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Final Thoughts On COI for Wedding Content Creators

While not all wedding content creators get insurance, it’s something that many professionals use for peace of mind and venue compliance. Whether you opt for one-day event coverage or a long-term policy, having insurance options available can help ensure that you’re covered in case a venue requires it.

Have you used insurance for your wedding content creator business? Let us know your experience in the comments!

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