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Bridal shops carry women's clothing and accessories to be worn at weddings, such as wedding gowns, attendant dresses, veils, gloves, dress shoes, tiaras, undergarments and jewelry. Some may sell dresses for other special occasions, such as pageants and proms. Alterations are often made for bridal shop customers, and custom-made dresses may be made. Other products such as wedding-theme gifts and novelties may be available.

General Liability Insurance for Bridal Shops – Stores that offer alterations or custom made bridal gowns and related dresses will be liable if the materials are damaged or the work is not completed in time for the main event. Bridal shops will have significant trip and fall hazards if wedding gowns and other dresses are not displayed on racks that keep them off the floor. Racks should be adequately spaced to allow sufficient room for customers to walk and shop. Furniture and platforms should all be in good repair to prevent injuries to customers.

Workers’ Compensation Insurance for Bridal Shops – Employees of bridal shops may be at risk of tripping and falling if stores are not free of clutter and long dresses and gowns are not kept off the floor. Employees may strain or injure their backs when lifting heavy or awkward objects. Employees who do alterations will be at risk of being injured from the use of tools such as needles, scissors, and sewing machines.

Business Auto Insurance for Bridal Shops – Bridal shop employees may drive occasionally to bridal shows or to deliver wedding gowns and bridesmaids’ dresses to churches or other wedding sites. Employees will likely use their own vehicles, which can result in vicarious liability to the bridal shop. Bridal shops should run MVRs for all drivers prior to allowing driver status. Drivers should carry Personal Auto Liability insurance with a minimum of $300,000 combined single limits.

Property Insurance for Bridal Shops – Bridal shops will have a fire load consisting of large quantities of wedding gowns, garment bags, and formal dresses in addition to furniture and trash. A central station alarm system should be installed as part of a security system. Bridal shops should maintain off premises computer backups in order to protect their customer records, accounting information, orders in process, payment records, etc.

Crime Insurance for Bridal Shops – Bridal shops should install central station burglar alarm systems that are UL certified. Employees should only be hired after thoroughly checking references and verifying dates of employment. All incoming checks should be stamped “for deposit only”. Inventory should be counted often to prevent employee theft of merchandise.