You make one call. We make the rest.
Protect your laundry business from damaged garments, customer injuries, and machines that break down. Coverage for laundromats, dry cleaners, and wash-and-fold, with the certificate your landlord or equipment lender needs.
Tell us about your business.
What is Laundries and Drycleaners insurance?
Laundry and dry-cleaning insurance covers customer injuries in your shop, damage to your building and machines, and customers' clothes while they are in your care. Landlords, franchisors, and equipment lenders often require proof before they lease you space or finance the washers.
Customers' clothes are the product.
While garments are in your hands, from drop-off through pickup, you are on the hook if they are damaged. The insurance name for that is bailee coverage, and we make sure it is on the policy.
Customers' clothes (bailee coverage)
Protects customer clothing, uniforms, and specialty garments while they are in your hands during cleaning, pressing, or storage.
Equipment protection
Washers, dryers, presses, boilers, and cleaning machinery against breakdown, damage, or loss.
General liability
Customer slips, falls, and other accidents at your laundry or dry cleaner.
Property coverage
Your building (if owned), fixtures, furnishings, and business contents against fire, water damage, or vandalism.
Fast certificates
Proof for landlords, lenders, franchisors, and partners the same day they ask.
Who needs Laundries and Drycleaners insurance?
- Laundromats with self-service machines and customer foot traffic
- Dry cleaners handling customer garments and chemicals
- Wash-and-fold services with drop-off and pickup
- Specialty garment care for uniforms, formalwear, or delicate items
One application. Every market. The right program.
We know garment care.
Damaged clothes, machine failures, chemicals, and busy floors: we quote around how your shop actually runs.
Certificates for leases and financing, fast.
Landlords and equipment lenders should never hold up your opening.
Plain answers.
We explain bailee coverage, equipment protection, and liability in words you would use on the floor.
Built for your setup.
Self-service laundromat, full-service dry cleaner, wash-and-fold, or specialty garment care.
Frequently asked questions
What insurance do laundries and dry cleaners need?
Most need bailee coverage for customers' clothes, general liability for injuries, equipment breakdown for the 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 to $5,000 a year. Full-service dry cleaners often pay $3,000 to $10,000 or more, depending on equipment value, chemicals, and volume.
Does insurance cover damaged clothing?
Yes. Bailee 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 that standard property insurance leaves out.
Can I add my landlord as an additional insured?
Yes. Most lease agreements require it, and Harper handles certificates and the wording quickly.