We just received our contract from our wedding planner and there is a paragraph that has my panties in a twist. (Full paragraph in comments.) She is our first choice planner and we really trust her and her reviews are excellent. But a contract is there in case something does go wrong. I get that companies have to protect themselves, but to me, this seems to say if she wakes up the morning of and decides she wants to call in sick, she can. I don't think she would ever do that, but if she did, I just lose my all the money I have paid to that point? That doesn't seem fair either....
Am I overthinking this?