This is an extremely important question. Ideally, your wedding professional should have ample experience specifically with weddings. Not only will they be more skilled in their craft, this also makes them a valuable source of information and ensures that your wedding day goes smoothly.
Price is often relative, especially when you factor in experience, reputation and expert skill. Generally, the most talented professionals have a higher price tag because they are worth it.
Because packages often vary, it's likely that you won't be able to compare one vendor exactly to the next without doing a little figuring. The lowest cost isn't necessarily the best deal; some higher quotes include services that you have to pay extra for in other packages. Make sure you take this into account.
Find out if your deposit is refundable under any conditions. Does the wedding professional have a back up plan if something happens to them?
If the answer is No, RUN! A contract is designed to protect both you and the wedding professional. Don't settle for a verbal agreement that won't hold up in court.
Taxes, service charges and travel fees can add up quickly. Make sure you understand exactly what is included and if there are any other fees you'll have to pay. This should be clearly defined in your contract.
The answer you're looking for here is Yes. This protects you in case an unfortunate accident should occur on your wedding day. It's also a sign that this is a reputable business, since most “fly by night” operations don't invest in insurance.