Why do bridal shops need insurance?
Bridal shops have unique risks and costly inventory. If a bride slips while trying on a wedding dress, or a pipe bursts in your shop, the financial losses could be devastating. Business insurance covers accidents and lawsuits, giving you peace of mind so you can focus on your clients' big day.
One application, multiple quotes
Insureon helps wedding shop owners compare small business insurance quotes from top U.S. carriers online.
Get multiple quotes with our easy online application.
What types of business insurance do bridal stores need?
These insurance policies cover the most common risks faced by bridal shops.
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for bridal shop owners to buy general liability coverage and commercial property insurance together.
- Customer bodily injuries
- Damaged or stolen clothing
- Business interruption insurance
General liability insurance
General liability insurance covers third-party injury and property risks, such as a bridesmaid who stumbles into a clothing rack and sues over the injury.
- Customer slip-and-fall accidents
- Damaged customer property
- Product liability insurance
Workers’ compensation insurance
Most states require workers' comp for wedding stores that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Legal defense costs
Cyber insurance
This policy helps bridal stores survive data breaches and cyberattacks. It's recommended for any shop that handles credit card numbers or other sensitive information.
- Customer notification expenses
- Fraud monitoring services
- Cyber extortion demands
Commercial umbrella insurance
Commercial umbrella insurance boosts coverage on your bridal shop’s general liability, employer’s liability, or commercial auto insurance once the policy limit is reached.
- Bodily injury lawsuits
- Property damage lawsuits
- Auto accident lawsuits
Commercial auto insurance
This policy covers accidents involving a bridal shop's delivery van or other vehicle. Each state has its own requirements for auto liability insurance.
- Damage to another vehicle
- Injuries caused to another person
- Vehicle theft and vandalism
How much does insurance cost for retailers?
A small bridal shop with a few employees will pay less for insurance than a larger store.
Factors that affect bridal shop insurance cost include:
- Retail products and services offered
- Business property and equipment
- Business income
- Business location
- Types of coverage purchased
- Policy limits and deductibles
How do I get bridal shop insurance?
It's easy to get bridal shop business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your bridal store, whether you work independently or hire employees.
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