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Dry Cleaners Insurance Programs
Keep your dry cleaner or laundry business protected with specialized insurance coverage
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Insurance for Dry Cleaners & Laundries
Dry cleaners, shirt and flatwork laundries, and coin-operated laundries have insurance needs that go far beyond just their equipment. The most critical and regularly inadequately insured exposure is the clothing and other customer goods exposures.
In our experience, many dry cleaners or laundries are one disaster away from going out of business, due to inadequate insurance coverage. Fabricare business owners think they are saving money by going with a “cheaper” insurance policy. But that policy can’t bring the business back into business after a total loss.
Is this true for you and your fabricare business?
Henderson Insurance is now a part of Heffernan Insurance Brokers. As the largest insurer of dry cleaners and laundries in the western U.S., we understand the various kinds of dry cleaner and laundry businesses and their differing insurance and risk managed issues and needs. And the needs vary depending on the primary activity of the business.
Get Started with Heffernan Insurance!
- Easy quotes with NO PAPERWORK
- Locked-in rates
- Automatic renewal
Dry Cleaner Business Insurance Issues
Dry cleaners that perform cleaning and laundry on the premises may have customer garment loss and customer garment damage issues, equipment valuation issues, mechanical breakdown issues, toxic chemical challenges, employee safety issues, all of which we understand and can properly cover. And for retail dry cleaning agencies, they need to think about possible issues like unusual tenant improvements, accessibility or security issues due to their location.
Commercial Laundry Business Insurance Issues
A commercial laundry business faces issues such as: equipment valuation, safety issues due to the automated processing inherent in the operation, repetitive motion issues due to the high segregation of labor, vehicle challenges due to use of routes or delivery, potential car accidents, and the loss or damage of customer goods.
Coin Laundry or Coin Vended Laundry Business Issues
Coin and vended laundry business have potential liability issues like: burglary exposures, public safety risk due to customers having access to equipment, and other safety issues that could result when attendants may or may not be present.
Recognize any of these common items/situations in your business? We thought so. Going with the right partner for your laundry insurance policy is not just important, but essential.
Join THE Laundry & Dry Cleaning Insurance Experts
Insurance coverage for fabricare industries is not one-size-fits-all. We understand the unique challenges of your business and how to protect you from the risks you face.
What Dry Cleaner or Laundry Insurance Do You Need?
Heffernan Insurance Brokers is your one-stop-shop for making sure you get the right customized insurance package for your business. Our customized dry cleaner, laundry, and vending laundromat insurance packages not only protect your business from disaster, but help you continue to operate your business with one less thing to worry about. We offer coverage in a number of areas like:
- Property Insurance: to protect you from equipment issues, water/sewer problems, fires, and robbery.
- Customer Goods Insurance: to give you the substantial amounts needed to replace your customers’ goods that you have in your possession during a fire.
- General Liability Insurance: to protect you from any medical injuries that may result from someone getting hurt in your laundry facility and also advertising injury, which can occur when a person accuses you of slogan, logo, or intellectual property infringement.
- Workers’ Compensation Insurance: to protect you when paying for medical bills of any employees who may have been injured while working, and paying for lost wages and rehabilitation costs occurring after an employee injury.
- Auto Insurance: to protect you from any liability liability resulting from a car accident happening to company vehicles and the people driving them.
Get Started with Heffernan Insurance!
- Easy quotes with NO PAPERWORK
- Locked-in rates
- Automatic renewal
Why Choose Us?
We are the oldest and largest insurer of dry cleaners in the Western United States. We insure over 1,600 cleaners and laundries, including 800 Korean-owned locations. We pride ourselves on making insurance easy to understand for our customers of all backgrounds. That, combined with our industry knowledge, puts us over the edge when it comes to fabricare, laundry, and dry cleaner insurance coverage.
We understand that our customers have unique coverage needs because they have other people’s clothing in their possession, which requires special endorsements not found on most policies. We also respond to most document requests (COIs, etc.) in less than a day.
We Have a Proven Track Record as Leaders in the Laundries Industry
We like to stay well-informed with what’s happening in this industry and what it means for your laundry business. We belong to a number of highly-respected organizations in the laundries industry like the California Cleaners Association (CCA) and SoCal Cleaners Association (SCCA).
We Deliver Superior Coverage, Convenience, & Service
Every one of our policies gives a dry cleaner or laundry business the coverage they need to go back into business after a fire or disaster (paying for a year or more of lost income after a fire). And they also come with unlimited clothing coverage. We can resolve all of your questions and needs immediately–working with you to negotiate settlements with your customers so that you do not have to. We can also assist you to prepare any other claim you submit to maximize your settlement. Our team knows the ins-and-outs of this industry and has over 20 years of experience helping people just like you solve your insurance issues.
Get the Right Insurance Coverage for Your Business
Don’t choose the “cheap” option, and don’t wait until it’s too late.
Coverage can start immediately for you with just a five-minute phone call from one of our experienced staff members. There is no application to sign or other paperwork you need to fill out to get connected with us. And, there’s no waiting for a visit from the agent or insurance company. We can help you get covered almost instantly. Let us help you get back to focusing on growing your fabricare business. You can rest assured knowing that you are getting the insurance you need from a national carrier who goes above and beyond to serve you.
Frequently Asked Questions
Explore key questions about Dry Cleaning Insurance.
What is Dry Cleaning Insurance?
Dry Cleaning Insurance is a specialized form of business insurance for dry cleaners designed to protect dry cleaning businesses from industry-specific risks. This comprehensive coverage helps ensure the financial stability and continuity of businesses that provide garment care services, including commercial laundry insurance and coin laundry insurance for laundromats.
What does Dry Cleaning Insurance Cover?
Dry Cleaning Insurance covers a range of risks specific to the garment care and laundry industry. It typically includes general liability insurance to protect against third-party injuries or property damage occurring on your premises. Property insurance safeguards your equipment, inventory, and business location from damage due to events like fire, theft, or vandalism. Additionally, professional liability insurance helps protect against claims of negligence or damage to customers’ garments. Business interruption insurance is often part of a dry cleaner business insurance policy, covering lost income if operations are temporarily halted due to a covered event. For laundromats, laundromat insurance provides similar protections, ensuring financial security for self-service and full-service locations.
Who needs Dry Cleaning Insurance?
Dry cleaning insurance is essential for any business involved in garment care, including dry cleaners, laundromats, and commercial laundry services. This type of coverage is crucial for business owners who want to protect their operations from industry-specific risks such as damage to customer garments, equipment breakdowns, or liability claims. Even small, family-owned businesses benefit from insurance for laundry businesses, ensuring financial stability in the event of unexpected disruptions. Businesses with multiple locations or those offering pickup and delivery services should also consider laundromat insurance or dry cleaner business insurance to cover a broader range of potential liabilities.
What are the costs of Dry Cleaning Insurance?
The cost of dry cleaner business insurance varies based on several factors, including business size, location, and services offered. Premiums are influenced by the value of your equipment and property, as well as the level of coverage selected. Small dry cleaning businesses might pay anywhere from a few hundred to several thousand dollars annually, depending on their risk profile. Laundromat insurance cost is similarly affected by factors such as property size, number of machines, and whether the business operates on a self-service or full-service model. Discounts may be available for businesses with strong safety protocols and a clean claims history.
How do I get Dry Cleaning Insurance?
How do I get Dry Cleaning Insurance?
To obtain dry cleaning insurance, start by consulting an insurance broker who specializes in business insurance for dry cleaners or laundromat insurance. Provide details about your business operations, including your business size, the type of services offered, and any past claims. The broker will evaluate your needs and obtain quotes from multiple insurers, comparing commercial laundry insurance coverage options and costs. Once you choose a suitable policy, they will assist with the application process and ensure all necessary paperwork is completed. Before finalizing your policy, review the coverage details thoroughly to confirm it meets your business needs and budget
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