Would you drive a $30,000 car without purchasing insurance? It is always a wise idea to protect a large investment. What happens if your florist gets in an accident on the way to your wedding or if the independent bridal dress shop goes bankrupt? You might not be able to get those centerpieces you’ve been dreaming about, but you will get your money back. Wedding insurance will even pay to re-stage your event if the photographer goes MIA or the photos are ruined.