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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.

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.

[PLACEHOLDER HERO] a closed supplier shopfront.

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, and 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.
See exactly what's covered

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.

DJ with tattooed hands operating Pioneer DJ controller at wedding reception, housed in flight case

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

Cover options

Choose the cover that fits your day

Cancellation limit shown per level. Tap a level to start your quote.

Tier

Essentials

Supplier failure limit $3,000

$335 inc. GST

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Tier

Classic

Supplier failure limit $6,000

$525 inc. GST

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★ Most popular

Tier

Signature

Supplier failure limit $15,000

$855 inc. GST

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Tier

Premier

Supplier failure limit $30,000

$1,285 inc. GST

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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

If a contracted supplier goes into administration, liquidation, or bankruptcy after a deposit is paid, Wedding Insurance AU includes cover for the lost deposit and the cost of arranging a replacement, up to the tier limit. A thirty-day waiting period applies from policy issue. the policy names the supplier categories included.

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