Commercial Auto Insurance for Bridal Shops Offering Delivery Services
- 5 days ago
- 2 min read
Many modern bridal boutiques go beyond in-store fittings and offer wedding dress delivery services, alterations transport, and off-site event coordination. While this added convenience enhances customer experience, it also increases risk. If your boutique uses a vehicle for business purposes, you need commercial auto insurance for bridal shops—not just a personal auto policy.
Why Personal Auto Insurance Isn’t Enough
Personal auto insurance policies typically exclude coverage when a vehicle is used for business operations. If an employee gets into an accident while delivering wedding gowns or transporting dresses to a venue, your claim could be denied.
Commercial auto insurance is specifically designed to cover:
Business-owned vehicles
Employee drivers
Delivery-related accidents
Property damage and bodily injury claims
Legal defense costs
What Does Commercial Auto Insurance Cover?
A properly structured commercial auto policy for bridal shops may include:
Liability Coverage
Covers bodily injury or property damage caused to others in an accident involving your business vehicle.
Physical Damage Coverage
Pays for repairs or replacement of your boutique’s vehicle due to collision, theft, vandalism, or weather damage.
Medical Payments Coverage
Helps cover medical expenses for the driver and passengers after an accident.
Hired and Non-Owned Auto Coverage
Protects your bridal shop if employees use personal vehicles for dress deliveries or event transportation.
This coverage is especially important if your boutique offers same-day gown delivery or transports high-value inventory to wedding venues.
What Impacts Commercial Auto Insurance Costs?
Premiums vary based on:
Number of vehicles
Driver records
Vehicle type and value
Delivery radius and frequency
Claims history
For bridal shops, maintaining clean driving records and implementing delivery safety policies can help reduce premiums.
Protect Your Bridal Boutique and Delivery Operations
If your bridal shop offers delivery services, commercial auto insurance is essential to protect your vehicles, employees, and valuable gowns. Even a minor accident could lead to significant financial exposure without proper coverage.
At Wexford Insurance, we specialize in bridal shop business insurance, including commercial auto policies tailored for wedding dress delivery services. We compare multiple carriers to secure competitive rates while ensuring your boutique has comprehensive protection.
Don’t leave your business exposed on the road.
👉 Request a free bridal shop insurance quote from Wexford Insurance to get a customized commercial auto insurance quote designed specifically for bridal shops.
