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.
These insurance policies cover the most common risks faced by bridal shops.
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.
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.
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.
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.
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.
Most states require commercial auto insurance for business-owned vehicles. This policy covers accidents involving a bridal shop's delivery van or other vehicle.
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.