Looking for Laundries and Drycleaners Insurance?
Protect your laundry business from garment damage, customer injuries, equipment breakdown, and bailee’s liability. Get coverage for laundromats, dry cleaners, and garment care services.
What is Laundries and Drycleaners Insurance?
Laundry and dry-cleaning insurance protects garment care businesses against claims arising from damaged clothing, equipment failures, customer injuries, and property damage. Coverage typically includes bailee’s coverage for customer garments, equipment breakdown protection, and general liability. Landlords, franchisors, and equipment lenders often require proof of insurance before leasing space or financing machinery.
Bailee’s Coverage
Protects customer clothing, uniforms, and specialty garments while they are in your care, custody, or control during cleaning, pressing, or storage.
Equipment Protection
Covers washers, dryers, pressing equipment, boilers, and cleaning machinery against mechanical breakdown, damage, or loss.
General Liability
Protects against customer injuries, such as slips, falls, or other accidents, that occur at your laundry or dry cleaning facility.
Property Coverage
Covers your building (if owned), fixtures, furnishings, and business-owned contents against fire, water damage, or vandalism.
Certificates
Fast proof of insurance for landlords, lenders, franchisors, and business partners.
Who Needs Laundries and Drycleaners Insurance?
- Laundromats : Businesses requiring specialized insurance coverage
- Dry cleaners : Businesses requiring specialized insurance coverage
- Wash-and-fold services : Businesses requiring specialized insurance coverage
- Specialty garment care providers : Businesses requiring specialized insurance coverage
Why Harper?
Garment Care Industry Expertise
Harper understands laundry-specific risks: damaged garments, equipment failures, chemical exposure, and high customer foot traffic.
Fast Proof for Leases & Financing
Landlords and equipment lenders often require proof of insurance before approving applications. We deliver certificates quickly to keep your business moving.
Clear, Practical Coverage Guidance
We explain bailee’s coverage, equipment protection, and liability requirements in simple, practical terms.
Coverage Built Around Your Operation
Policies are tailored for self-service laundromats, full-service dry cleaners, wash-and-fold businesses, and specialty garment care.
Frequently Asked Questions
What insurance do laundries and dry cleaners need?
Most laundry businesses need bailee’s coverage for customer garments, general liability for injuries, equipment breakdown coverage for machines, and property insurance. Workers’ comp is required if you have employees.
Is laundry insurance required?
Landlords typically require liability coverage before leasing space. Equipment lenders require property and equipment coverage on financed machines.
How much does laundry insurance cost?
Self-service laundromats usually pay $2,000–$5,000 annually. Full-service dry cleaners often pay $3,000–$10,000+, depending on equipment value, chemicals used, and service volume.
Does insurance cover damaged clothing?
Yes. Bailee’s coverage protects customer garments damaged during cleaning, pressing, or storage when proper care and procedures are followed.
Does insurance cover equipment breakdown?
Equipment breakdown coverage protects washers, dryers, presses, and boilers from mechanical failure and repair costs not covered by standard property insurance.
Can I add my landlord as an additional insured?
Yes. Most lease agreements require it, and Harper handles certificates and endorsements quickly.