Bridal Shop Business Insurance Quote Checklist for Boutique Owners

Running a bridal boutique is exciting but comes with unique risks—from high-value gowns to in-store events. To protect your investment, securing the right bridal shop business insurance is critical. A detailed checklist can make getting accurate insurance quotes faster, easier, and more effective.

Here’s a step-by-step bridal shop insurance quote checklist for boutique owners.

1. Business and Location Details

Insurance providers will need:

• Legal business name and structure (LLC, Corporation, Sole Proprietor)

• Business location and square footage

• Years in operation

• Annual revenue

If your bridal shop operates in a high-risk area prone to theft or natural disasters, additional coverage may be required.

2. Inventory Information

Inventory is your boutique’s most valuable asset. Insurers will ask for:

• Total value of wedding gowns and accessories

• High-value gowns or designer pieces

• Seasonal inventory fluctuations

• Security measures such as cameras, alarms, and secure storage

Having accurate inventory information ensures your policy protects the full value of your merchandise.

3. Employees and Payroll

If your boutique has employees, insurance providers will request:

• Number of staff

• Roles and responsibilities (sales, alterations, event coordination)

• Payroll totals

Workers’ compensation coverage is required in most states for employees and protects your business from medical and wage claims due to work-related injuries.

4. Event and Operations Information

Many bridal shops host in-store trunk shows, fittings, or bridal parties. Include:

• Types of events

• Frequency of events

• Number of guests

• Any catering, alcohol, or entertainment

This information helps ensure general liability or event insurance coverage meets your operational risks.

5. Coverage Types to Request

When requesting quotes, make sure you review:

• General Liability Insurance

• Property Insurance

• Product Liability Insurance

• Workers’ Compensation

• Event Insurance and Equipment Coverage

Providing complete information upfront speeds up the quote process and ensures adequate coverage.

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Get a Customized Quote with Wexford Insurance

At Wexford Insurance, we help bridal boutique owners navigate the complexities of bridal shop insurance. Our team compares multiple carriers to provide competitive, comprehensive coverage tailored to your boutique’s inventory, staff, and events.

Protect your store, staff, and investment.

👉  Request a free bridal shop insurance quote from Wexford Insurance today.

FAQs

1. How do I get bridal shop business insurance for my wedding dress store?

2. How much does bridal shop business insurance cost, and what factors affect the premium?

3. What insurance coverage is required for bridal shops and wedding dress stores?