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Business Insurance Needs for Laundry and Dry Cleaning Services

Coin laundry or dry cleaning service owners have a lot to think about when it comes to business insurance. From a customer's wedding gown to the expensive equipment that's vital to your business, you have a lot to think about protecting -- and that's where the right business insurance policy can help.

Business Insurance Needs for Dry Cleaners

Some types of coverage you may want to consider:

Choosing the right coverages for your laundry or dry cleaning company can help ensure that you're ready to handle the unexpected, whether that means an accident, a fire or another event that causes damage and disrupts your business. As you shop for your business insurance policy, here are some types of coverage you may want to research:

Business property coverage: You've invested a lot of money in the equipment you use on a daily basis, such as your coin-operated washers and dryers, dry-cleaning machines and computers, so it makes sense to protect them. Business property coverage can help cover the cost to repair or replace your property if it's damaged by certain perils, or causes of loss, according to the Small Business Administration. It may cover your equipment, as well as the building that houses your business, if they're damaged or destroyed by causes covered under your policy, the SBA says. These causes can vary, but often include things like fire, vandalism or hail damage; you can talk to your insurance agent for more information.

General liability coverage: This is one of the primary types of insurance every independent business needs, according to the Insurance Information Institute (III). If a customer slips on water coming from a broken washer and is injured, for instance, this coverage may help pay damages, up to the limits of your policy, and help protect your business assets in case of a lawsuit.

Equipment breakdown coverage: Your business relies heavily on the flawless functioning of your cleaning equipment, as well as your electrical and phone systems, and more. This coverage can help pay for the cost to repair your equipment if it breaks down, and may also help replace lost income and other expenses, according to the International Risk Management Institute.

Business auto insurance: If your business has a vehicle -- say, for delivering cleaned clothes to customers -- you'll need an insurance policy to cover the vehicle. There are various types of coverage you can buy, and they're similar to the coverages you probably have on your personal car, such as liability, collision and comprehensive.

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Some other types of coverage you might also want to consider:

  • Data compromise coverage: If you store any sort of information, such as clients' names and contact information, you may want to consider this coverage, which can help protect you in case that information is lost or stolen.
  • Employment practices liability coverage: If you're not a one-person show, this type of coverage may be helpful. It provides protection against lawsuits by current or former employees.
  • Workers' compensation insurance:Another coverage to consider if you have employees, this coverage helps pay medical costs and a portion of lost wages for employees injured while working.
  • Business interruption insurance: Sometimes, an unexpected event can force you to shut down your business for a time -- and this coverage can help you if that happens. It provides an income stream, based on your past profit records, if your business is damaged by a covered event, or you are injured or incapacitated.
A business insurance agent can help you choose the best coverage options for your laundry or dry cleaning business.

Related Resources:

Coverage subject to terms, conditions and availability. Policy issuance is subject to qualifications. Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Indemnity Company, Allstate New Jersey Property and Casualty Insurance Company.  © 2016 Allstate Insurance Company, Northbrook, IL.

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