Without a doubt, the #1 time most people use a florist, a baker, a caterer, a hall, a photographer, etc, etc, is a wedding. The New York Times today offers 5 Ways to Protect Yourself Against Unexpected Wedding Catastrophe:
https://www.nytimes.com/2017/10/18/fashion/weddings/5-ways-to-protect-yourself-against-unexpected-wedding-catastrophe.html?_r=1&emc=edit_nn_20171024&nl=morning-briefing&nlid=45130348&te=1
