When operating a bridal shop, getting business insurance coverage to protect your shop should be top priority.
General liability insurance protects your business from financial strife of customer's legal or medical costs for injuries while on your business’s property. This will cover your legal defense and the costs associated with the loss if you are found liable, up to your policy limits.
Property damage, whether it is from fire, extreme weather conditions, or natural disasters, flood from severe rainstorm, property insurance would cover the cost of repairing or replacing your business-related property including structural damage to your building and the business materials you store there.
Workers compensation insurance is required by law in most states of the US. If an employee is injured in a work related accident, workers compensation will pay for their medical care and recovery expenses. Your business will also not be responsible for the damages or sued by your employee.
Although you may be protecting your shop with surveillance cameras and an alarm system, you are still at risk for shoplifting of small items like tiaras or jewelry. Crime insurance coverage will protect your bridal shop from a host of crimes including employee dishonest acts, theft, shoplifting, and vandalism.
Vehicle used for different business trips, such as picking up material or supplies for alterations or dropping off a custom-made veil to a bride on her wedding day are considered business auto. Business auto insurance provides coverage against accidents, theft, or vandalism while using your vehicle for business purposes.
Your bridal shop provides a bride and her wedding party with gowns, tuxedos and accessories. Bridal shop insurance is important on many different levels. You are exposed to a variety of risks as the proprietor of a bridal shop, including legal liabilities relating to accidents that could occur in your shop along with customers receiving the wrong custom alterations which could lead to loss or damage on their part.
In your role of providing women with the right gowns and altering those gowns for them, you are tasked with a major duty, and emotions can run high among future brides. If you are the owner of a bridal shop, then bridal shop insurance is important, since a happy client can quickly turn into a "bridezilla" if something goes wrong to sour her big moment. Having the right insurance coverage can help your business grow and thrive.
Running a bridal shop business without insurance is taking a mighty huge risk. Our broad, tailored coverage options and enhancements are based on our deep knowledge and experience in the bridal shop insurances, and specifically designed to meet the needs of our customers.
At Business Insurance Agency, we will take the time to get to know your business and assess the risks involved in your business, and can assist you with the right coverage options you need at an affordable price.
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