Dry Cleaner & Laundromat Insurance

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844--9933 anytime.

Better, Regardless of Your Size

Coverage Plans for All Your Needs

BASIC

Essential coverages to meet client demands


General Liability (GL)

From
39
Month
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Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations

STANDARD

When you also have equipment or operate from a shop


General Liability + Property (bundle them with a BOP)

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All Basic plan benefits and:

  • Bodily injury
  • Damage to third party property
  • Business personal property
  • Personal injury
  • Lost business income
  • Equipment breakdown

PRO

Get protected against employment-related issues


Business Owners Policy (BOP) + Workers Compensation*

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All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation

CUSTOM

When you have specific requirements


Including Commercial Auto, etc.

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ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844--9933 for help and more information

We've Got You Covered with Coverage You Need

There are many unforeseen circumstances which could put you out of business that an insurance policy serves as a solid protection against. 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. In the event of a total loss of your shop or assets, there is the potential for huge financial risk, and our coverage can keep you going. You should also consider insurance against employee injury or disgruntlement.

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Frequently Asked Questions

What risks could Dry Cleaners & Laundromat Services face?

General Liability risks of third-party claims of bodily injury and property damage remain some of the most common issues a dry cleaning and laundry business face. In addition, your employees could get sick from the chemicals they may be exposed to. Workers could face repetitive motion injuries. Many of the chemicals present at dry cleaners have the potential to ignite a fire and cause substantial loss. By getting the right insurance coverage, you'll be able to mitigate these risks.

What is Bailee's Coverage for Dry Cleaners and Full-Service Laundromats?

Bailee's Coverage is an add-on to basic 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.

How much does Dry Cleaner & Laundromat Insurance cost?

The cost of insurance depends on the size and location of your business, among other rating factors. Often basic general liability is $500-$1,000 per year and adding property insurance will just about double it. For a full insurance program including Workers Compensation, Commercial Auto, and Bailee's coverage, the cost reach upwards of $5,000 per year. Of course, this cost is always markedly lower than the cost to handle a property loss or lawsuit without insurance.

Do I need Workers Compensation as a Dry Cleaner?

In most states, it is mandatory once you hire full-time employees. 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. Without Workers Compensation, those employees can sue you and your business for lost wages and additional costs associated with a workplace injury.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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