Insurance for Bridal Shops in Massachusetts, Maine, New Hampshire, New York, and Beyond

Local Insurance for Your Bridal or Formal Wear Business  

You put your heart and soul into your bridal business, but how can you be sure it has the proper insurance coverage? Running a bridal or formal boutique is not for the faint of heart. With the joy of seeing your clients celebrate milestone moments comes the day-to-day stress of meeting deadlines, supply chain issues, and wondering if you have too much inventory (or not enough). Having the proper insurance coverage for your bridal business can be one less thing that you have to juggle as a business owner. At Cross Insurance, we work with national carriers as well as regional insurers to provide a variety of options for commercial insurance. With offices in Massachusetts, Maine, New Hampshire, New York, Connecticut, Rhode Island, and Florida, a local agent may be closer than you think.

How Much is Insurance for Bridal or Formal Shops? 

Every bridal and formal business is unique, which means insurance costs will vary. What policies you choose as a business owner, how many locations you have, what state you are located in, and how many employees you have can all impact how much you will pay for insurance. To get an idea of how much you will pay, reach out to a local insurance agent for a custom quote. They can gather data on what kind of policies you are looking for, as well as the amount of coverage you desire.

What Types of Insurance Do Bridal Shops Need? 

You’ve likely invested a significant amount of time and money into decorating your shop and stocking it with beautiful inventory. Protect your investment with appropriate insurance coverage. Below are some policy types that are common for retail store owners.

  • Commercial property policies typically help protect your furniture, building, equipment, inventory, and any signage you may have.
  • Workers’ compensation policies can help your employees that become injured because of work related events. In most states, businesses with one or more employees are required to have workers’ compensation insurance. 
  • General Liability policies typically cover claims from bodily injuries that occur in your place of business.  

Is a BOP Right for Your Bridal Shop? 

A business owner’s policy, commonly referred to as a BOP, typically bundles two common insurance coverages- general liability insurance, and a commercial property policy. One perk of a business owner’s policy is that it is usually more cost effective than purchasing the coverages separately. A BOP includes general liability, a policy that typically covers things like customer trip and falls. Because bridal and formal shops have many different clients and their families on site, business owners should consider having a BOP or a general liability policy.

Professional Liability Coverage 

A bride tries on a dress and immediately falls in love. The problem is your shop doesn’t have her size in stock. The dress is ordered, but supply chain issues cause it to be delayed. The bride sues your shop, claiming that you promised it would arrive on time even though you knew or should have known about delays in the supply chain, and that you failed to take appropriate measures to expedite the shipment. Professional liability insurance can help protect your business if a client believes you make a mistake and decides to sue you. Some other situations that a professional liability policy may cover are clerical errors, professional errors and omissions, or inaccurate advice. Read more about professional liability coverages here.

Cyber Coverages for Retail and Bridal Shops 

Today, cyber attacks are becoming more and more frequent. If one of your employees falls victim to a suspicious e-mail, they could put your customer’s sensitive information at risk. Evaluating if your business should have cyber insurance is a smart move. If you have questions on what a cyber policy would cover, talking with an insurance agent familiar with commercial policies is a good place to start.

How Do I Get a Quote for My Bridal or Formal Business? 

To request a quote for your bridal or formal business, you can submit our form here. You can also reach out directly to one of our offices in Maine, New Hampshire, Massachusetts, Connecticut, Rhode Island, New York, or Florida to connect with a local professional who will collect more information about the type of your business.

What Information Do You Need to Get a Quote for Your Bridal Shop?  

When you are ready to start getting quotes for your bridal or formal store, it’s a good idea to have information on your business handy. Below is a list of a few things to have ready, although your agent may need more information.  

  • Your Business Name
  • Your Business Address
  • How many employees you have  
  • Number of locations you have

What are the Top Insurance Companies for Bridal and Formal Shops? 

Just like your shop provides a unique selection of products, so do different insurance companies. At Cross Insurance, we work with national carriers as well as local companies to provide options for businesses in many different industries, including retail shops.


This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

Request a Business Insurance Quote Today

More Resources