Helping brides and grooms find the perfect attire for their big day is your forte. Such a great responsibility means you need bridal shop insurance in case something goes wrong.
Your shop is full of expensive garments and your customers put a great deal of trust in you to keep their wedding gowns and grooms’ outfits safe. If something unexpected happened, could you afford not to have insurance?
If you’re running a wedding shop, you’ll know that business doesn’t stop once the shop doors close for the day. There are alterations, customer deliveries, wedding shows and much more to contend with. Such a hectic lifestyle can leave little time for much else. Finding time to compare wedding shop insurance can be tough. That’s why we’ve made it easy for you to compare quotes from some of the UK’s leading insurers to save you time and money.
If you know the covers you require, it’s quick & easy to compare shop insurance quotes from a selection of insurers on our website.
Unsure of your cover requirements or looking for insurance advice? We’ll call to arrange a new insurance quote at a time that’s convenient for you
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Bridal shop insurance is a simple way for wedding shops to buy various types of insurance covers in one package to protect your shop when something unfortunate happens.
Having insurance to protect you financially against accidents, mistakes, theft, damage and legal fees is essential to provide you with peace of mind when running your retail business.
When deciding what insurance and covers you need to protect your business, you should consider the following:
Public liability cover is essential for any retailer. With a high footfall of customers in your store, you need protection in case someone has an accident. Public liability insurance can protect your business financially if someone makes a claim against you for injury or damage to their property. Accidents happen when you least expect so making sure you’re covered is key.
If you employ staff at your shop then you’ll need to include Employers’ liability insurance as part of your bridal shop insurance. This can protect your business financially if a member of staff claims compensation following an injury or damage to their property at work. This cover is required by law if you’re an employer.
Bridal shop insurance typically combines a number of insurance covers designed to protect your shop. Buildings and contents protection should be a key consideration. From tails to tiaras, you need protection for all the property within your shop, away from your premises and whilst it’s in transit, including not only your own stock and equipment but customers’ property held in trust. Ensuring you have comprehensive cover in place is key to your business reputation and customer satisfaction.
So you’ve protected yourself against property damage and ensured you’re protected if someone has an accident, but if you suffered damage to your premises leaving you unable to trade, how would you cope financially? A fire or flood, for example, can have devastating effects and force you to shut up shop for weeks, months or even years.
Business Interruption insurance can offer financial protection against loss of income if you suffer damage to your shop premises. This invaluable cover can also help cover the costs of relocating temporarily to minimise disruption to your business.
Commercial legal protection will typically cover a number of defined events, from tax and VAT disputes to contract and employment disputes. It can also offer financial protection if someone takes you to court.
Insurance for bridal shops can cover a number of eventualities, from injury to weather events – all of which could impact your ability to trade. The right bridal shop insurance policy can safeguard your business to let you work without worry. You never know what is around the corner, so bridal shop insurance should be a fundamental part of your business plan to ensure business continuity, should something unfortunate happen.
If you employ a team at your shop, then you will need to take out employers’ liability insurance to safeguard your employees against accidents at work.
At Premierline, we offer flexible bridal and wedding shop insurance policies that can be as simple or comprehensive as you need depending on your business requirements. When deciding what insurance and covers you need to protect your bridal shop, you should consider the following:
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The cost of your bridal and wedding shop insurance will depend on your shop activities, the location of your shop and the amount and type of covers you require to protect your shop. Like any other insurance, generally the more cover you require the higher the premium.
The value you gain from having the right cover in place is a huge benefit to your business. A shop insurance policy is a product that you have paid for that you may never get to use, but also a product that you hope you will never need to call on.
When you’re running a business, time is money. Finding time to go through and compare quotes can be challenging. That’s why we do all the hard work for you. In just a few clicks you can compare quotes from some of the leading insurers to find the perfect insurance for your bridal shop.
If you know the covers you need you can compare quotes online now. However, if your needs are a little more complex, or you’re looking for some professional advice and recommendations, then give us a call. Our expert advisors are on hand to help you find the right cover for the right price so you can focus on what matters – your business.
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
We understand the nature of running your shop often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your retail insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
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“Although I didn't take up the quote on this occasion it was a competitive quote. The advisor throughout the call was efficient in what he was asking for and even had some of my details already from a previous year. This made the whole process quick, effective and clear. All in all it was a professional service and I appreciated the advisors experience.”
Comparing bridal shop insurance quotes from multiple insurers to get the right cover for your livelihood has never been easier. If you know the covers you need simply complete the online form and in just a few minutes you’ll be presented with a variety of quotes from some of the UK’s leading insurers. If, however, you’re looking for some expert advice then give us a call. We’ll conduct a market search on your behalf to help you arrange a great value wedding shop insurance policy.
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