Business Insurance for Bridal Shops

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Bridal Shops
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If a customer is injured in your shop and sues, or a fire damages your inventory, the costs could be devastating. Small business insurance protects your bridal shop so you can focus on your customers and their big day.

Dresses, jewelry, and shoes on display at a bridal shop.
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Multiple quotes with one application

Insureon helps wedding shop owners compare insurance quotes from top U.S. carriers online. Get several quotes with one 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 icon

Business owner's policy

A business owner's policy, or BOP, is a cost-effective way for bridal shop owners to buy general liability insurance and commercial property insurance together.

  • Customer bodily injuries
  • Inventory damage or theft
  • Business interruption insurance
General liability insurance icon

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 icon

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
  • Partial missed wages
  • Employee injury lawsuits
Cyber liability insurance icon

Cyber liability 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
  • Cyberextortion demands
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Commercial umbrella insurance boosts coverage on your bridal shop’s general liability, employer’s liability, and commercial auto insurance once the policy limit is reached.

  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

Most states require commercial auto insurance for business-owned vehicles. This policy covers accidents involving a bridal shop's delivery van or other vehicle.

  • Damage to another vehicle
  • Injuries caused to another person
  • Repairs due to vandalism or weather
Looking for different coverage? See more policies.

Why do bridal shops need insurance?

Bridal shops have unique risks and a large investment in inventory. If a bride slips while trying on a wedding dress or a pipe bursts in your shop, the financial losses could be devastating. Bridal shop insurance covers the costs of accidents and lawsuits, giving you peace of mind so you can focus on your clients' upcoming wedding day.

How much does insurance cost for retailers?

Retailer with a clipboard calculating the cost of business insurance.

Several factors will have an impact on insurance costs, including:

  • Retail products and services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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