When you enter into a contract with your entertainment provider, whether it’s a wedding band, a magician or a DJ, you normally will be expected to provide some kind of nonrefundable deposit along with your signature to secure the date. The amount may vary, but a 50% deposit is fairly common.

If you’re a bride, or just planning a party and this is first time you’ve ever bought entertainment services, this can be a scary thing. What if the event gets cancelled? What if someone dies the week before? What if it rains on our outdoor beach birthday party? Do I get my deposit back?

Of course the answer will depend on the wording of the deposit clause in the contract, but most likely if the event is cancelled because an unforeseen circumstances, you will likely be out your deposit. But let’s dig deeper.

It’s easier for people to understand why a caterer, or even a venue would request a deposit. They have to buy food or they are reserving the space exclusively for you and must turn down other business. But a musician isn’t purchasing any perishables, right? Well, not exactly. The busy nights for any event entertainer is Saturdays, followed closely by Fridays. There are only 52 Saturdays in a year and each one represents an opportunity cost. If your Aunt Mattie falls face first into the minestrone two days before your graduation party, the band still needs to be compensated for that Saturday night that they committed to your party. It is entirely possible that they have turned down other clients to commit to your party. While it’s sad that Aunt Mattie decided to pass two days before your big event, this is not the fault of your event vendors.

What can you do if the unforeseen happens? The first thing is to have a conversation with your entertainment provider. While they may be under no obligation to reschedule, many will try to work with you and apply part or all of your deposit to another date. The flexibility they have will depend on how in demand they are, how full their calendar is and on what day of the week you want your new date. You certainly can’t expect them to bump another client because you need to reschedule. And nor can you expect them to give you another Saturday night on the busiest part of wedding season. But maybe they’re willing to apply all (or some) of your deposit to a Tuesday night, or an off-season Friday night.

This is a conversation you can have with your entertainer BEFORE signing the contract. Ask the “what if” scenarios. Just understand that if this conversation drags out too long, your vendor may start to question your commitment to the date.

Another option is to take out Event Cancellation Insurance for your date.

What is typically covered by event cancellation insurance?
Fire, earthquakes, flooding, blizzards, hurricanes, terrorism, headline entertainers or speaker cancellation, outbreak of disease.

Event cancellation insurance probably won’t cover things like lack of ticket sales, or the time spent planning the event.