Bridal Shop Insurance

Having the right insurance in place is key for bridal shops as you could have to pay out hefty legal fees and compensation if something goes wrong like: 

• A bride claims her dress was damaged during alterations 
• A customer slips and falls in your shop 
• Your inventory of dresses and accessories is stolen or damaged 
• A fire or disaster damages your shop or stock 
• An employee gets injured while working 
• Your shop's equipment, like sewing machines, is stolen due to a break-in 

Bridal shop insurance won’t cover everything, and some exclusions apply, such as: 

• Intentional damage – Damage caused on purpose isn’t covered 
• Neglect – Not keeping up with regular maintenance could void your cover 
• General wear and tear – Normal ageing or wear on equipment and stock isn’t included 

Double-check your policy details or speak to our team if you have any questions about what’s covered and what isn’t. 

Because all bridal shops are different, it’s difficult to give a solid figure for what you’ll be paying for this insurance without speaking to a broker. This is because your business is unique, and prices depend on a number of factors, including:   

• Extent of cover — The more cover you opt for, the more expensive your package will likely be.  
• Your insurer — Depending on who is willing to insure you, the price for their policies will vary.  
• Location — The location of your business is taken into consideration when calculating the cost of your premiums.  
• Claims history — If you’ve made a previous claim on your policy or had claims made against you, it may affect your future premiums.  

If you work closely with customers and offer in-house dress alterations, you’ll need cover for accidental damage to dresses or any potential claims that could happen because of a customer injury during a fitting. 

You always need to tell your broker all of your business activities – including alterations to dresses as this may not be covered as standard.  
 
If you’re not sure, it’s best to speak to our insurance team for support. 

Yes! If you have multiple bridal shops, even in different locations, we can help you to insure them all. We can even amend your policy as you grow too. Get in touch with us today to find the cover the fits your business needs.

At Bionic, we understand your unique business needs. Our knowledgeable insurancek team work with a panel of insurers to find tailored cover that fits your needs. 

Whether you’re protecting a boutique wedding dress shop or a chain of bridal wear stores, we’re here to help you find the right policies for peace of mind.