Laundry and dry cleaning stores and plants provide on-site laundering and dry-cleaning and may provide satellite locations for drop-off and pick-up of laundered items. We offer custom-tailored Insurance for laundry and dry cleaning operations, including General Liability, Errors & Omissions, Property, Worker’ Comp, Crime, Business Auto and more.
Any business that invites customers and visitors on the premises can experience accidents resulting in injuries. A bigger risk with dry cleaning operations is the environmental hazard that exists due to the chemicals used in the dry cleaning process. A rear entry door should be used for laundry deliveries to and from the off-site locations in order to prevent injury to customers. Higher hazard employee-only areas should be physically separated from customer areas by doorways with signage indicating entry is restricted to employees only.
Employees who are injured at work are compensated by Worker’s Compensation for the medical expenses and wages lost due to time off the job from the injury. Employees of laundry and dry cleaning stores and plants may be injured when loading and unloading delivery vans. or The use of hazardous chemicals can result in eye injuries, skin irritations, or breathing-related problems. Other potential injuries include burns from the use of irons and steam equipment, and every day slip, trip and fall accidents.
Due to the delivery of laundry to and from off-site cleaning plants, business auto risks will be high for dry cleaning plants. Delivery vehicles carry a high risk of auto accidents due to the amount of time spent on the road. The delivery radius and traffic conditions will impact the auto risks. Laundry and dry cleaning stores may use rented or non-owned vehicles, which would require Hired and Non-owned Liability coverage.
Fire risks will be high for laundry and dry cleaning operations due to the machinery and flammable chemicals on site. Dry cleaning pick-up stations will have a significant fire load due to the large amounts of clothes on site. Of course, as with any business, buildings and other property can sustain damage by severe weather, natural disasters, and faulty electric wiring and plumbing.
Dishonest employees and outside third parties stealing money or property are a risk to any business. A bookkeeper can quietly embezzle funds over time and not be able to repay you after the crime is discovered. Coverage also instances of customers’ property being stolen by employees and equipment or money stolen by third parties.