Does your existing policy cover you for the large amount of stock you could take to bridal fairs, shows or exhibitions or for the hiring of your dresses or gowns?
Are you sufficiently covered? Do you perhaps employ a self employed seamstress or homeworker to make dress alterations? Have you checked that this is included under your standard shop insurance contract? We understand your industry requirements and are able to advise and tailor your policy accordingly. We don't recommend you buy an online standard shop policy, many are unsuitable and can easily leave you with gaps in cover which could be catastrophic should a claim arise.
If your business operates from a shop it is essential that you protect your premises and stock against theft or damage. No matter what you sell, our flexible policies are designed to meet the needs of shop owners everywhere at prices to suit every budget.
For a free no obligation quote simply note your contact details below; a trained member of our staff will give you a call, take the detail relative to your risk and present this to the market on your behalf, negotiating the best rates with insurers, something that can't be done when dealing with standard online quotations.
The following features and benefits are available with our bridal shop policies:
Cover for fixtures and fittings
Contents and stock insurance, including high risk stock
Public and product liability (working away liability available on request)
Goods In Transit cover
Fidelity cover available (theft by employees)
Our Bridal shop policy is designed to cover assets, earnings and legal liabilities for independent shop owners and retailers in a franchise. Whether you are the owner of your wedding shop premises or a tenant, we will be able to provide you with a shop insurance policy that will suit your individual needs. We are able to protect your business against flood, fire and theft, business interruption insurance and any goods in transit cover specifically related to the wedding industry. Liability insurance and contents insurance is also included with our wedding shop insurance policy, with levels of cover that can be moulded to suit your individual business needs.
Bridal shop liability insurance
Owning any type of shop means that you will have customers, members of the public and staff within your premises on a regular basis, increasing the chance of an accident occurring. Obviously you will be constantly wanting to meet your customer's satisfaction and providing your employees with ideal working conditions, but unfortunately accidents can happen. If a business is faced with a liability claim, whether you are at fault or not they can be faced with large legal fees, however you can protect your wedding shop business by having liability insurance in place. This comes as standard with our shop insurance policy, so whether you face a claim made by an employee or member of the public you can rest assure you have protection against any large legal fees.
Public liability insurance
Having public liability insurance for your customers, delivery drivers and anyone else that might enter your shop is essential should anyone have an accident that is down to your negligence, such as tripping over a dress that has been laid on the floor and breaking their leg. Should this happen you could face large legal fees, including compensation for time they have to miss from work and generally for the inconvenience that you have caused. Our insurers can provide you with £2million of public liability insurance, giving you peace of mind that your business is safe from any large claims. This can also be extended to £5million if you feel that it is needed.
Employers' Liability insurance
Employers' Liability insurance is required in the UK by law, whether you employ full time staff, volunteers, part time workers or contractors and if you are found not to have adequate insurance you could face large fines, which will be calculated for the time that the insurance was not in place. To ensure that you have adequate employers liability insurance, we will help you out by providing £10 million of employers liability insurance, should an employee become injured or sick as a result of your business.
Bridal shop contents
Your wedding shop will contain a large amount of content, whether this is