Required Bridal Shop Business Insurance Coverage for Dress Stores
- 5 days ago
- 2 min read
Owning a bridal shop is a rewarding venture, but with it comes exposure to unique risks. From high-value wedding gowns to in-store fittings and events, your boutique faces potential accidents, theft, and liability claims. Having the proper bridal shop business insurance coverage is essential to protect your investment and ensure smooth operations.
General liability insurance is a must for bridal boutiques. This coverage protects your store if a customer or visitor is injured on your premises or if you cause property damage while conducting business. Common scenarios include slip-and-fall accidents during dress fittings or damages caused by alterations.
Many bridal shops also host trunk shows and in-store events. General liability coverage can extend to these occasions, protecting your boutique from unexpected lawsuits.
Your inventory—wedding gowns, veils, accessories, and displays—is the backbone of your boutique. Property insurance covers damage from fire, theft, vandalism, or natural disasters. For boutique owners with expensive designer gowns, accurate valuation of your inventory ensures sufficient coverage in case of loss.
Many boutique owners opt for a Business Owner’s Policy (BOP), which bundles property and liability coverage, often saving on premiums while providing comprehensive protection.
If your bridal shop has employees, workers’ compensation insurance is typically required by law. This coverage protects your staff in the event of work-related injuries, covering medical bills and lost wages. Staff involved in dress fittings, alterations, or event setup are particularly at risk for slips, lifting injuries, or accidents.
Check your state’s labor department website for specific requirements, or learn more through the U.S. Department of Labor.
Product liability insurance protects your boutique if a product you sell causes injury or damage. This may include wedding dresses, accessories, or alterations. Though claims are rare, they can be costly without coverage, especially when dealing with high-value or custom merchandise.
Event Insurance
Bridal shops often host trunk shows, fittings, or promotional events. Event insurance covers potential liabilities during these occasions, such as guest injuries or accidental property damage.
Get the Right Coverage with Wexford Insurance
Navigating bridal shop insurance requirements can be complex. At Wexford Insurance, we specialize in helping dress store owners secure tailored insurance policies that cover general liability, property, workers’ comp, product liability, and events. Our team compares multiple carriers to ensure comprehensive coverage at competitive rates.
Protect your boutique, staff, and clients.
👉 Request a free bridal shop insurance quote from Wexford Insurance today for for a customized bridal shop business insurance quote.
