I’m going to be honest and say that, if I die on the way to your wedding, there’s not a whole lot that I can do about that.  However, if I were to fall seriously ill (and it would have to be very serious) then my first port of call would be my husband who is also an extremely experienced wedding photographer and then I’d get in touch with trade organisations to find a replacement of comparable quality for you.  That said, I’m pretty healthy and very careful and I’ve never had to miss a wedding yet in nearly 20 years.