Dry Cleaner and Laundromat Insurance
Dry cleaner and laundromat insurance typically combines general liability, property and equipment coverage, pollution and environmental coverage for solvents such as perc, bailee coverage for customers’ garments in your care, workers’ compensation, and business interruption. In California, environmental liability is generally excluded from standard policies, and workers’ compensation is required once you have any employees.
Dry cleaners and laundromats keep a neighborhood running, and they carry exposures most shops never face. We help California dry cleaners and laundromats build coverage that accounts for these real, industry-specific risks.
What does dry cleaner and laundromat insurance cover?
- General liability: for third-party injury and property damage, such as a customer slip-and-fall.
- Property and equipment coverage: for machines, boilers, and your build-out.
- Pollution and environmental coverage: for solvent exposures such as perc, a defining risk for the trade.
- Bailee coverage: for customers’ garments in your care, custody, and control.
- Workers’ compensation: required in California once you have any employees.
- Business interruption: for lost income if equipment failure or damage forces you to close.
Who needs it? Dry cleaners and laundromats across California, whether solvent-based or laundry-only operations.
Workers’ compensation is required in California once you have any employees. Solvent-related pollution exposure is a serious consideration in the state, and environmental liability is generally excluded from standard property and liability policies, so it is typically arranged separately.
How we help: We take a close look at your equipment, your solvents and handling practices, and how you take in customer garments, then help you build coverage around the exposures that define your trade.
