When Dan Gerecht bought a wedding insurance policy for his daughter Yvonne’s big day last year, he did it because the event was scheduled during hurricane season and he was worried that weather might force them to cancel. But it turned out the Gerechts needed the policy for a different reason: The venue, the Winery at Elk Manor in North East, Maryland, shut down just two months before Yvonne’s 2016 Labor Day wedding, Gerecht says. They found themselves scrambling for a new location — and out the $30,000 Gerecht had already paid to Elk Manor. Vendors who can’t fulfill contracts are the most common cause of wedding insurance claims. Here’s how (wedding) insurance can help.