Terms and Conditions

Terms and Conditions

If you do not present us with a valid marriage license from the state of Florida before your wedding, we cannot legally marry you! Obtaining a license is your responsibility.

Cruise Ship Passengers: It is YOUR RESPONSIBILITY to know which time zone you are going to be in when planning your wedding. Please know that any ships departing from New Orleans, Louisiana or Galveston, Texas are an hour behind Key West, Florida time. Please plan your wedding time accordingly. If you book the wrong time and we are waiting for you, your wedding will NOT take place!

Due to the delicate nature of the Island of Key West and the beautiful oceans.
We only use Fresh Tropical Flowers, for our Bridal Bouquets, Boutonnieres, & other Floral Decor.
We do not allow the use of Silk Flowers, Streamers, Confetti, Rice, Balloons, or anything else that could harm or damage the environment during our weddings.
Please don't bring any of these to the wedding or the ceremony will not take place

To be fair to the number of couples who would like to book their wedding with us and in order to accommodate as many as possible, we have had to institute these policies:

The most important decision is to select your preferred wedding date, and reserve that date as soon as possible to ensure availability with your Initial Payment. Payments may be made payable to Southernmost Weddings via, personal check or through Master Card, Visa and Discover Cards only. All other details will be coordinated after you have reserved your desired date and time.

If you are booking your wedding within 30 days prior to the wedding date, payment is due IN FULL.

Booking fees/deposits and balance payments are non-contactual and non-refundable.

There are NO REFUNDS of any payments for cancelled weddings, no matter what the reason. Payments are the good faith monies required to reserve, book, retain, and secure your desired wedding date and time and/or the vendors. Payments are applied towards final balances if wedding proceeds as scheduled. Reservations and payments are non-transferable.

FINAL PAYMENT IS DUE IN FULL, 30 days prior to the scheduled wedding date or Southernmost Weddings reserves the right to cancel the scheduled wedding without notice unless satisfactory arrangements for payment have been made. All payments made to Southernmost Weddings are non-refundable.

Certain Holidays such as Thanksgiving, Christmas Eve, Christmas Day, New Year’s Eve and New Year’s Day may be subject to a holiday premium.

All pre-coordinated packages INCLUDE site-prep, set-up, take-down, and clean-up of the wedding ceremony.

Southernmost Weddings is not responsible for inclement weather, natural disasters, man-made disasters or site restrictions. Southernmost Weddings reserves the right to change time and/or location to provide our client with the beach wedding that they have reserved. Be aware that when planning any outdoor event that inclement weather is always a possibility.

In the event of a mandatory evacuation due to a hurricane, you will have the option of rescheduling your event with no penalty, except for incidentals such as cake and flowers if they have already been prepared. We strongly suggest that you purchase "Wedding Insurance” to cover any expenses incurred due to postponement or cancellation of your wedding. Refunds will not be issued.

Please review our "Inclement Weather Policy” by clicking here or on the Inclement Weather Policy button on our home page.

It is imperative that you turn on your cell phones and have at least one with you...at all times.

**** PLEASE NOTE****

If you are more than 15 minutes late for your scheduled wedding, we will not wait. You will not be entitled to a refund and any payments that you’ve made to Southernmost Weddings will be forfeited.

A few minutes is no big deal. More than 15 minutes late becomes a problem.

Bridal couples/clients (including other responsible parties or agents) who book with and sign a contract with Southernmost Weddings are acknowledging that they have reviewed, understand and agree with the terms and policies of Southernmost Weddings, regardless of who assumes payment for booking fees, deposits and final wedding balances. Wedding contracts are subject to the Terms, Conditions and Policies of Southernmost Weddings.


Basically, wedding insurance protects a couple’s investment from circumstances beyond their control, and reimburses expenses incurred. For example, what if your limo driver doesn’t show up and you must book another one the morning of the wedding—for three times the price? Or what if the groom’s custom-made tuxedo is lost in airport baggage, and he must buy a new one the day before the wedding? What if your reception space goes out of business a month before the wedding, and you lose your deposit and must book another space? These are the types of wedding day financial losses that wedding insurance can help to protect.

Why Get Wedding Insurance?

Consider these scenarios:
• Janet and Dan spend months planning their winter wedding. But on the wedding day, their reception site is made inaccessible by an ice storm. With the right wedding insurance policy, the couple can postpone their wedding and receive every penny they lost (less the deductible)—including money for the invites, cake, catering, attire and nonrefundable deposits for ceremony musicians, a floral designer and other vendors.
• The bride’s father is injured in a car accident just before the wedding and cannot travel. If the couple must postpone their wedding, with wedding insurance they could be paid back their expenses to enable them to have the wedding when the father recovers.


A basic insurance policy that covers loss of photos, videos, attire, presents, rings and deposits usually costs anywhere between $75 and $550, depending on the amount of coverage you want. General liability insurance, which covers up to $1,000,000 for accidents, costs around $185.00


Before you buy wedding insurance, check with your each of your vendors to see how well they’re covered—your reception site or your caterer may already have their own insurance, so you wouldn’t want to pay for overlapping coverage out of your own pocket. Ask your vendors for a copy of their policy, and then figure out where you aren’t fully covered.


The sooner the better. Let’s say you put a deposit on your wedding reception hall 12 months prior to your wedding date and then it burns to the ground a few weeks before the big day. With wedding insurance, you’ll be sure to get your deposit back. But note: Most insurance companies have limitations on how far in advance you can purchase insurance.


Problems with the site, weather, vendors, key people, sickness or injury are the top concerns come wedding day. There’s usually a specified maximum amount, which can be claimed under each section, and a deductible also applies. Be sure to find out the details of your insurance plan.

• Site: Check to see if your ceremony and reception site is already insured. If it’s not, wedding insurance can cover the cost arising out of unavoidable cancellation such as damage or inaccessibility to the ceremony site—if your reception hall is unable to honor your reservation because it has burned in a fire, experienced an electrical outage or just plain closed down. Sometimes this policy covers the rehearsal dinner site too.

• Weather: Any weather conditions which prevent the bride, groom, any relative whose presence at the wedding is essential or most of the guests from reaching the premises where the wedding is to take place. Insurance covers rescheduling the wedding and all the details involved, including ceremony flowers, tent rental and reception food.

• Vendor no-show: What if essential wedding people—the caterer or the officiant, for example—fail to show up? A wedding insurance policy usually covers cancellation or postponement of the wedding for these reasons.

• Sickness or injury: Wedding insurance may also include sickness or injury to the bride, groom or anyone essential to the wedding.

• Military or job: It’s true, military personnel may be shipped out at a moment’s notice. Wedding insurance can cover postponement of the wedding due to the bride or groom suddenly getting called to military duty. This can also apply to a last-minute corporate move, like the bride’s company suddenly relocating her to another city.


• A change of heart. In other words, cold feet don’t count.
• Watches, jewelry or semiprecious gemstones or pearls (even if they are attached to clothing) may not be covered.
• While your wedding rings may be covered by the policy, your engagement ring probably will not.


Couples can take out supplemental policies to defend against damages incurred by other wedding-related items such as photography, videography and gifts.

• Photography: Some policies pay to retake the photographs after the fact if the photographer fails to appear or the original negatives are lost, damaged, stolen or not properly developed. Some policies will pay to restage the event with the principal participants so that pictures can be retaken. A policy may also pay costs for rehiring a photographer and buying a new wedding cake and new flowers.

• Videographer: When a videotape produced by a professional videographer is damaged (he or she used faulty materials, for example), a policy usually pays a certain amount to have either a video montage created, a video compilation made of the photographs and other wedding memorabilia, or, if possible, a retaking of the official video at a restaging.

• Gifts: Whether they’re mailed to your home or handed to you on your wedding day, valuable items like gifts are something else you might want to consider insuring. Think about a party crasher lifting unattended presents from your reception. Gift coverage pays to repair or replace non-monetary gifts that are lost, stolen or damaged. A police report is usually required for stolen gifts. The damage or theft generally must take place within a limited time period (ranging from 24 hours to 7 days, depending on the specific policy) before or after the wedding, in order to be covered.

• Attire: This coverage pays to repair or replace the bridal gown or other special attire when it is in your possession and is lost, stolen or damaged (including financial failure of the bridal store). Special attire usually includes the clothing and accessories bought or rented that are to be worn by the bride, groom and attendants at the ceremony.

• Personal liability: Personal liability covers bodily injury or property damage caused by an accident that occurs during the wedding (your best man trips and falls on his way up to the mic to roast you).

• Medical coverage: This covers reasonable medical expenses (up to the policy’s limits) for each person who is injured during the covered events from a cause of loss, which would be covered by your personal liability.

• Honeymoon: Your honeymoon can cost as much as a new car. But before buying travel insurance to protect your investment, see if your credit card and/or homeowner’s policy covers you if your luggage gets lifted, your trip is delayed, or you must cancel. If not, you can a buy separate, trip-only policy. Call your insurer or ask your travel agent for details. Also, certain wedding insurance packages include optional travel insurance for your honeymoon.


Every insurance policy and every wedding scenario is different. Be sure to talk to your insurance agent—and have him or her explain the nuts and bolts to you. You want to make sure you understand every detail of your policy.


We have compiled a short list of event insurance providers for you. We do not endorse any of these companies, nor do we make any commissions when you purchase wedding insurance. This list is for your convenience only.  It is up to you to do your research!