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Essential coverages to meet client demands
When you also have equipment or operate from a shop
All Basic plan benefits and:
Get protected against employment-related issues
All Standard plan benefits and:
As a dry cleaner you are in charge of customers’ clothing and other materials during your service, and if anything were to destroy their things you would be responsible. If your work is ever incomplete or faulty, you are required for replacement or repaying the customer. In the loss of your shop or assets there is the potential for huge financial risk, and our coverage can keep you going.
Business Owners Policy (BOP) combines the coverage of General Liability and Commercial Property insurance. This laundromat insurance is perfect for small and mid-sized businesses that generally face the same degree of risk. This is more cost-effective than purchasing an insurance for each coverage.
Your store should be free from hazards causing slip and fall claims and other common liability risks. A single lawsuit could leave your business in financial ruin. So make sure that your business has a safety net in place when lawsuits like these happen. General Liability insurance will make sure your business is protected from the common liability risks it will face.
Workers' Compensation is a laundromat insurance that provides cash benefits and medical care for workers who become ill or injured as a direct result of their job. It is a state-mandated insurance and a "no-fault" type of insurance. This means that the employee will still receive the compensation even if it is theirs or the employer's fault.
Business Interruption covers lost income when you must close your business for events beyond your control. For example, after a fire it takes time to rebuild and get back to business. This insurance covers profits lost, normal operating expenses like your employees' wages, the cost of moving to a temporary location and other instances that can be covered in this insurance policy.
Professional Liability insurance is a type of dry cleaners insurance that protects your business from claims that your service has caused harm to your client due to the mistakes on your part, or failure to perform the service to your client's expectations. The insurance covers defense costs in a civil lawsuit and the certain damages awarded like medical and legal expenses.
As dry cleaners, your washing machines are the core of your business and broken machines are financially devastating. Your Property Insurance won't cover it, but Equipment Breakdown insurance will. The insurance will not only cover the breakdown of the service equipment, but also electronic devices that your client uses during the event of the breakdown.
Dry cleaning business risks are unique to your business. Your employees might get sick from the chemicals that they may be exposed to. Workers could face repetitive motion injury. Many of the chemicals present at dry cleaners could ignite a fire to your property. Getting the right dry cleaners insurance, you'll be able to mitigate these risks.
Bailee's Coverage is an add-on to a laundromat insurance, namely Commercial Property insurance. It covers non-owned property stored in your shop or that is in your possession. This coverage will pay for the damage and minimize the financial risk your dry cleaning business could face when the property damaged is under your control.
Determine the needs of your business, including your location needing Commercial Property insurance. Vehicles used for business purposes require Commercial Auto. And for common liability claims, get a General Liability insurance for your business. Determine your budget, and call our customer service representatives to find the best dry cleaners insurance for your business.
If you have employees and you meet the minimum number of employees for a Workers' Compensation insurance then you'll need one. Also consider the level of risk that a dry cleaning business faces, making it important that your business has a safety net against workers getting sick or injured on the job.
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