5 Things to Note When Signing Wedding Contracts - Reagan Suitt Photos

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I’m Reagan Suitt, a Riverside based intimate wedding + elopement photographer, wifey and content creator with a passion for supporting women through the crazy seasons of dating, engagement and marriage. 

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DISCLAIMER: I am not a lawyer and I am NOT giving legal advice on wedding contracts. Think of this as a coffee chat with a friend. Sharing some things she wishes she had noticed about her contracts. 

Contracts are freaking intimidating. When you get married, your wedding contracts may be the first ones you’ve ever signed that aren’t school related. Not only the first but they’re with a ton of different vendors so they’re probably all written differently! Talk about being in over your head. 

Now, I can’t give you the 411 on absolutely every contract you will come across. I can, however, let you know the five things to look for in your wedding contracts. (that I wish I had paid more attention to)

Deposit + payment plan details

This one seems like a no brainer. Of course, you will know what you’re paying and when it’s due. That’s not the part I want to talk about. I want to chat about late fees. All good contracts will talk about late fees for payments.

If you’re looking at a large wedding contract and think it may be hard for you to keep up with it, then you probably want to request to spread out your payment plan. The average late fee is listed as a small percentage of the total.

It usually increases the later you pay it. Always understand these three things: full payment price, late fee policy, and if your deposit is a non-refundable retainer.

Basically, know what you owe, what could be added and what you can’t get back. 

Cancellation Policy 

Look at your cancellation policy closely before you sign. Vendors are running a business that feeds their family. They are not out to get you, take your money and not deliver.

Most vendors are excited to serve you well and be as flexible as they can while serving their other clients too. When it comes to cancellation policies there are two common ones: either you forfeit just the non-refundable retainer when you cancel, or you forfeit any monies paid up to that point.

Neither is wrong. Vendors create contracts to protect both you and their business. The important part is that you are well aware of which type of policy you are signing for.

One last thing to note is if you cancel closer to your date, most vendors’ contracts will not give refunds because the lack of notice means they can no longer get a booking on that date. 

Rescheduling Policy 

A rescheduling clause in all wedding contracts should be mutually protective to both parties. If you are rescheduling only a few weeks before your date, most likely you will still owe your balance in full. Just like when you cancel at the last minute, your vendor may no longer be able to book someone the same date. That means their ability to provide for their family is jeopardized.

Often, vendors charge a rescheduling fee. The reason for that is market increase. As vendors invest into their own education, gear and gain experience, their prices go up to reflect that. A rescheduling fee is to cover the average rate of price change.

What’s important for you to know is what happens if your vendor is no longer available. Again, there is no right or wrong way to do this, you just need to have clarity of what your specific contract is saying. Avoid a surprise.

Failure to Perform Service Clause

This clause is especially important. What happens if your vendor has an emergency, gets pregnant, gets sued and isn’t in business, etc. and cannot attend your day? A good contract will have a back up plan in place.

As a photographer, for example, my contract back-up plan is that an associate photographer with an equal or better skill level will cover the day of services. I will still manage the post-wedding services, like editing and sending the gallery.

You want to look for: what is the backup plan and what money will be refunded if you don’t agree with using the vendor chosen to cover? It is totally okay to ask your vendor about these details in the wedding contract and allow them to explain how they’re going to serve you in an emergency. 

Force Majeure Clause

Last, but definitely not least, the clause that covers things like COVID-19. Force majeure is defined as “unforeseeable circumstances that prevent someone from fulfilling a contract.” Contracts can differ slightly from what it includes in it.

Most commonly it’ll include acts of God, natural disasters, war, etc. Just like with the previous two clauses, the important part to note is what happens to your money when this occurs!

If something like COVID-19 shutdowns were to happen again and your date has to be postponed because of a government-mandated order, most vendors will try to reschedule with you. What if you decide ‘screw it, we’re eloping’? At the bottom of this clause, it should detail what can and what won’t be refunded. 

All in all, your wedding contracts don’t have to be stressful. If you understand what happens with your money in these five clauses, then you’re golden!

Every contract may be different, vendors will have different rules that fit with their needs as a business and protect their ability to stay afloat. No one way of doing it is better than another, the key is being educated as a consumer before you sign. 

I hope you feel so much more confident to tackle booking vendors for your wedding day! Happy planning <3 

All my heart, 


Want more wedding planning tips? Check out this post on wedding budget basics.

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For Clients

5 Things to Note When Signing Wedding Contracts

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I’m Reagan Suitt, a Riverside based intimate wedding + elopement photographer, wifey and content creator with a passion for supporting women through the crazy seasons of dating, engagement and marriage.