Linen suppliers rent out laundered linen supplies such as bedding, table linens, towels, diapers and uniforms. Their primary clients are such as hotels, hospitals, restaurants and businesses that require employees to wear uniforms. Linen supply establishments may or may not operate their own laundry facilities. We offer custom-tailored Linen Supply Insurance, including General Liability, Property, Crime, Worker’ Comp, Business Auto and more.
Premises liability risks should be low for linen supply services since they usually travel to their clients instead of the clients coming to them. The occasional visitors will primarily consist of salespeople, vendors, and delivery people, any of whom can sustain an injury by falling or being involved an accident on site. There are unique risks at every point in the supply chain. Linens lost in transit or damaged by human error, faulty machinery, or the chemical process can significantly impact the bottom line of your business.
Employees risk being exposed to biohazards from soiled linens, such as airborne and embedded pathogens. They are also most at risk at risk of injury from chemicals used in the laundering process, heat stress, and noise exposure, heat stress, slip and falls and.
Linen supply services usually offer pickup and delivery services, which results in increased auto exposures. Delivery vehicles should be in good repair and serviced often. Liability increases as the radius of operation and frequency of deliveries increase.
Fire risks are significant for linen supply services due to the electrical machinery on the property. Fires can result from dryers overheating and from the use of steam irons and other related pressing equipment. The fire load consists of large quantities of linens and uniforms in addition to flammable detergents and cleaning supplies, lint buildup, and plastic bags.
Premises of any business are at risk damage by severe weather, faulty plumbing or natural disasters such as earthquakes and tornados.
Every business carries a risk of third parties and dishonest employees stealing money and property. A bookkeeper can embezzle funds or use business credit card information illegally. Dishonest workers can also steal tools and other property from the business or its customers.