Bridal Shop Insurance

Save up to 25% on bridal shop insurance.*

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Bridal shop insurance can help protect you from

The costs of injuries and accidents inside your shop

Someone slips, trips or gets hurt in your store, and you’re asked to cover their medical bills.^**

Theft and vandalism costs

Your business has shattered windows, a broken door and inventory was stolen. You need help to cover costs for replacement and repairs — fast.

Damage costs from fire or extreme weather

A fire, hail storm or burst water pipe ruins your expensive gowns, computers and POS systems, furniture, flooring, lighting and the retail space you lease or own.

Lost business income

If you need to close for repairs after a covered event, your business insurance could help replace some of your income until you can open your doors again.

Product liability

A customer claims that a product you sell caused harm to their health or damaged their property. Even if you’re found not to be at fault, you’ll need to help to cover a legal defense.

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Get bridal shop insurance that’s fast, flexible and convenient

ERGO NEXT specializes in small business insurance. Bridal shop insurance can help protect you, your business and your employees from the cost of unexpected events.

ERGO NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

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ERGO NEXT specializes in business insurance for bridal shops

Bridal shop insurance usually includes several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance for bridal shops

Protection for damage to other people's property and injuries to non-employees

General liability insurance could offer financial protection if someone other than an employee — such as a customer or vendor — is injured at your bridal shop, or if you or your employees accidentally damage someone else's property. For example, it may help if a customer trips during a wedding dress fitting and needs medical care, or an employee accidentally damages a customer's belongings, depending on the policy.

general liability can help you pay for:

Legal defense costs after a covered claim

Damage to someone else's property

Medical expenses if someone is injured at your store

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Workers’ Compensation insurance

Often required to help protect employees from work-related illnesses or injuries

Workers' compensation insurance could help pay for medical expenses and lost wages if an employee is injured on the job or suffers a work-related illness — and it's often required if you have employees. This can be important for bridal shops where employees lift heavy garment bags, move display racks or assist customers during fittings. Optional owner's coverage could also help protect you.

workers compensation can help you pay for:

Medical expenses and permanent injury benefits

Lost wages and job retraining

Employer's liability insurance in the event of legal action against you

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Commercial Property insurance

Protect your building, inventory, equipment and other business property

Commercial property insurance could help protect the property you rely on to run your bridal store, including wedding dresses, accessories, display fixtures, sewing machines, computers and POS systems and the business space you lease or own. Business interruption insurance — part of commercial property coverage at ERGO NEXT — may also help replace lost income if you have to temporarily close for repairs after an event like a fire, theft or extreme weather damage.

commercial property can help you pay for:

Damage from fire and windstorms

Broken and damaged property from theft and vandalism

Business income interruption if you have to close temporarily

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Product Liability insurance

Coverage for injuries or damages from the products that you sell

Product liability coverage is part of general liability insurance at ERGO NEXT. It could help protect your wedding boutique from financial losses if a customer claims that a product you made or sold — like bridesmaid dresses, tuxedos, shoes, jewelry or other bridal accessories — caused bodily injury or property damage.

product liability can help you pay for:

Property damage if a product you sold causes harm

Costs if a product you sold causes bodily injury

Legal fees if you have to defend your business against covered claims

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Business Owner’s Policy (BOP insurance)

Financial help after customer injuries and property damage

BOP insurance combines the protections of both commercial general liability insurance and commercial property insurance at a price that’s often more affordable than buying two separate policies.

business owners policy can help you pay for:

Customer injuries (bodily injury)

Property damage

Business income interruption

Equipment breakdown coverage (an optional add-on)

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Save up to 25% in discounts on bridal shop insurance

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does bridal shop insurance cost?

Bridal shop insurance can be more affordable than you might think. The cost depends on several factors, including:

The size of your bridal shop.
The products you sell, such as formalwear and accessories.
Your business location.
Your number of employees.
Your annual revenue.
The coverage limits and deductible you choose.
Your insurance claims history.

The best way to learn what you’ll pay for bridal shop insurance is to get a free, no-obligation quote. In about 10 minutes, you can see the exact cost of customized coverage for your business.

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How can bridal shop insurance help your business?

Wedding apparel store insurance could help to:

Protect your shop, inventory and equipment. Business insurance could help protect the retail space you own or lease from things like fire, theft or vandalism. It can also cover the contents of your store, including gowns, veils, shoes, tuxedos, POS systems and other business property if it’s damaged by a covered event.
Handle liability claims against you. Liability insurance could help protect you if a customer is injured at your bridal shop or if your business accidentally damages someone else’s property.
Hire employees. Most states require workers’ comp insurance for small businesses with employees.
Protect your business driving. If you or your employees transport inventory, make deliveries or attend bridal shows or events, commercial auto insurance could help protect you while you’re driving cars, vans, trucks or trailers for work.
Deal with product liability issues. If a wedding dress, veil or other product you sell is alleged to have caused bodily injury or property damage, product liability coverage may help with the costs of damages or your legal defense.

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Bridal shop insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

Does bridal shop insurance cover wedding dresses and formalwear?

Commercial property insurance, one type of business insurance that can help protect a retail store like a bridal boutique, could help protect your wedding dresses, formalwear, veils, accessories and other business property you own if your store suffers damages from an event like a fire, winter storm damage, theft or burglary.

Do I need insurance to exhibit at bridal shows or wedding expos?

Many bridal shows and wedding expos require vendors to carry general liability insurance and provide a certificate of insurance (proof of insurance, also called a COI) before they can participate. Requirements vary by event space and organizer, so it's a good idea to check what's required before the event.

Does bridal shop insurance cover alterations and dress fittings?

Many bridal shops offer alterations or dress fittings as part of their services. The insurance your business needs depends on the services you provide and the policy you choose.

How can I get a certificate of insurance (COI)?

Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.