5 Insurance myths wedding suppliers need to stop believing

Running a wedding business in the UK can be incredibly rewarding, helping to create one of the happiest days in a couple's life. However, it also comes with risks and some of these might not even be on your radar. You might be thinking, “That’ll never happen to me", but not having the right wedding supplier insurance could leave your business exposed.

We’re here to squash five common wedding business insurance myths so you can protect your livelihood. So…let’s dive in!

Myth 1: “I don’t need insurance because I work from home.”

This is a common misconception. Whether you sell wedding-related products online, have clients visiting your home or offer virtual services via Zoom or Microsoft Teams, you may still need Public Liability Insurance or Professional Indemnity Insurance.

For example, if you’re a wedding calligrapher and you accidentally print the wrong wedding date on 150 invitations, Professional Indemnity Insurance can cover the financial losses of reprinting them and handle any legal claim made against you for the professional mistake.

Many wedding suppliers mistakenly assume their home insurance will extend to protect their business activities. While some home insurers may include coverage for clerical business activities, you still need to declare this to your insurer. If you’re storing stock, using equipment, or welcoming clients, your standard policy might not cover you. Worse still, failing to inform your insurer could invalidate your policy.

Top tip: Notify your home insurer about your business activities or speak to our specialist team for a tailored wedding business insurance quote. Call us on 0121 550 2380, Mon – Fri, 9am - 5pm.

Myth 2: “Public Liability insurance is only for big businesses.”

Spoiler alert: size doesn’t matter when it comes to Public Liability insurance!

If you interact with members of the public in any way, such as holding meetings, setting up at a venue, or selling products, then having public liability insurance for wedding suppliers is essential. This cover protects you if your business is liable for accidental third-party property damage or bodily injury.

For example:

• You’re a florist restocking the floral arrangements in your shop and accidentally spill some water on the floor and a customer comes in, slips and breaks their wrist.
• You rent out a dancefloor, and someone claims they’ve injured themselves while dancing

Even if the claim isn’t your fault, insurance can cover legal costs and help defend your business. Without it, you could face significant stress and financial loss.

Myth 3: “Insurance is too expensive.”

We get it. Insurance can feel like an annoying expense but think of it as an investment in your business’s security.

The good news? Wedding Supplier Insurance doesn’t have to break the bank. Look for tailored policies that fit your business needs instead of one-size-fits-all packages. This way, you’re not paying for unnecessary extras.

To put it into perspective, a £600 policy might feel pricey, but it’s a drop in the ocean compared to a £100,000+ claim. Our policies start as low as £53 including Insurance Premium Tax, per year (just 15p a day!), a small price for peace of mind.

Myth 4: “I don’t need Employers’ Liability insurance because I only use freelancers.”

This is a common misunderstanding. If you hire freelancers or subcontractors, then you need to be aware of whether they are classified as bone fide subcontractors or not.

The law in the UK requires Employer’s Liability Insurance for anyone you employ, even on a temporary basis, if you control how, when, or where they work. It’s worth checking if your situation qualifies to avoid hefty fines.

Myth 5: “I don’t need insurance because I’ve never had a problem before.”

This mindset is risky. Insurance is about protecting against the unexpected, not just covering past issues. Even if nothing has gone wrong before, it only takes one unexpected event to cause financial hardship.

For example:

• A burst pipe floods your stock leading to an escape of water claim
• A client trips over your equipment and takes legal action
• You receive a legal claim for breach of contract from an unhappy couple.

Just because nothing’s gone wrong yet doesn’t mean it won’t in the future. Having the right wedding business insurance in place gives you peace of mind.

In summary

Dispelling wedding business insurance myths is essential for wedding suppliers to safeguard their business effectively. By understanding the real risks and securing the right wedding supplier insurance, you can ensure your business remains protected and continue creating unforgettable experiences for your clients.

At Wedding Insurance Group, we specialise in tailored insurance solutions designed for wedding florists, photographers, planners, caterers, wedding car hire, photobooths and bridal retailers. Don’t let myths leave you unprotected, get in touch for expert advice and comprehensive coverage.

Call us on 0121 550 2380 or email info@weddinginsurancegroup.co.uk, Mon – Fri, 9am - 5pm.