Essentials
$335inc GST
- Supplier failure$3,000
SUPPLIER FAILURE COVER
What if a supplier goes under?
Suppliers fail more often than couples expect. If a contracted supplier goes under financially after you've paid a deposit, there's cover for the lost deposit and the cost of finding a replacement.
The short answer
Does wedding insurance cover a supplier going out of business?
Yes. If a contracted supplier goes into administration, liquidation, or bankruptcy after you've paid a deposit, Wedding Insurance AU includes cover for the lost deposit and the cost of arranging a replacement, up to your level's limit. A thirty-day waiting period applies from policy issue. Thousands of Australian businesses enter external administration each year, and the wedding trade, with its small operators and seasonal cash flow, is no exception (ASIC insolvency statistics, 2025). When one fails after taking a deposit, the money rarely comes back on its own.
Cover clarity
What's actually covered?
The lost deposit
Non-refundable deposits paid, if a supplier fails to meet a written, signed contract through bankruptcy, receivership, liquidation, or administration.
The cost of a replacement
The additional cost of arranging an equivalent replacement supplier.
Across supplier types
Transport, catering, accommodation, attire, jewellery, flowers, photography, video, and entertainment suppliers under contract.
Does wedding insurance cover a supplier going out of business?
Yes. If a contracted supplier goes into administration, liquidation, or bankruptcy after you've paid a deposit, Wedding Insurance AU includes cover for the lost deposit and the cost of arranging a replacement, up to your level's limit.
Cover options
Choose the cover that fits your day
Supplier failure limit shown per level. Tap a level to start your quote.
Classic
$525inc GST
- Supplier failure$6,000
Signature
$855inc GST
- Supplier failure$15,000
Premier
$1,285inc GST
- Supplier failure$30,000
And what isn't?
Not covered:
- A supplier failure where there's no written agreement in place.
- Replacement costs you'd have paid anyway, had the original supplier continued.
- A failure that happens during the 30-day waiting period after you buy.
- A wedding planner's failure, beyond the fee contracted directly with them.
Worth knowing: the 30-day waiting period is why buying early pays off. Cover applies to failures that first occur after that window, so a supplier already in trouble when you buy isn't covered.
Questions & answers
Supplier failure cover — common questions
The thirty-day waiting period applies to failures that first occur after that window, which is why buying early matters. A supplier already in financial trouble when you buy isn't covered under this section.
Ready when you are
Protect the money that's already gone in.
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Other cover for your day
Official sources
- ASIC — published insolvency statistics, and checking a company's status
- Moneysmart (ASIC) — general insurance basicsIndependent Australian Government guidance on insurance types, comparing cover, and understanding policy documents.
- ASIC — insolvency registerCheck whether a company is in external administration
Cover for the loss, and the replacement.
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