Dry Cleaners Insurance

What Is Dry Cleaning Insurance?

Dry cleaners insurance is a specialized type of business insurance created for laundromats and dry cleaners. Owning a dry cleaning business comes with costly risks, such as employee injuries and lawsuits. Without workers’ compensation insurance coverage, your business would have to pay out of pocket if an employee is injured on the job.

What Is Included With Dry Cleaners Insurance From The Hartford?

With dry cleaners insurance from The Hartford, there are multiple business insurance coverage options to help safeguard your business:

Workers’ Compensation Insurance

Workers’ compensation insurance for dry cleaners and laundromats gives your employees financial benefits if they’re injured or become ill on the job. Most states require employers to have this coverage to keep their employees protected. Workers’ comp benefits can help:

Cover medical bills and treatment costs
Replace lost wages if an employee needs to take time off from work to recover
Provide disability benefits
Give death benefits
Cover costs related to an employee’s lawsuit from a work-related injury or illness

Commercial Auto Insurance

Commercial auto insurance helps cover the cost of an auto accident if you or your employee is at fault. If you or your employees drive a personal or company-owned vehicle for business reasons, commercial auto insurance coverage is important. Coverage requirements will vary by state, so be sure to check with your local laws.

How Much Does Laundromat Insurance Cost?

On average, laundromat business owners paid about $1,718 annually, or $143 a month, for workers’ compensation insurance.** However, your small business insurance costs often depend on different factors, like:

The type of coverages selected
The size of your business
Your business location
Number of employees
Your claims history
What level of safety measures and training your employees receive

Common Questions About Dry Cleaners Insurance

What Is Dry Cleaners Insurance?

The dry cleaners insurance program from The Hartford offers coverages to help protect your dry cleaning business and your employees from costly risks associated with your work. Without business insurance, your company would have to pay out of pocket for unexpected claims that can come up during normal business operations.

If you own a dry cleaning business, you may need these types of business insurance:

Workers’ Compensation Insurance
Commercial Auto Insurance

Do I Need Dry Cleaner Insurance?

If you own a dry cleaner service, having insurance is one of the best ways to protect your business and employees from risk. In most states, you’re required to have workers’ compensation insurance to provide employees with financial benefits if they’re injured or become ill on the job. Also, if you use any vehicles for business reasons, you’ll likely need commercial auto insurance coverage too. Insurance requirements can vary by state, so be sure to check with your local laws to find out what coverages you’ll need.

What Are Examples of Risks for Dry Cleaning Businesses?

Dry cleaning business insurance can help protect against different scenarios that can easily happen, like:

An employee slipping and falling on spilled laundry detergent
A car accident that occurs while delivering garments to a customer
A terminated employee suing your business for wrongful termination
A hacker stealing your customers’ data from your company database

Help Protect Your Team

As a small business owner, you rely on your team to help get the job done. That’s why it’s key to have the right types of business insurance to protect you and your employees.

Employers reported 2.8 million nonfatal workplace injuries and illnesses in 2022.¹

Employee Injury

“One of my employees burned her arm while steaming a garment for a customer. She ended up needing to take time off to recover and missed a few months of work.”

Workers’ compensation insurance helps give financial benefits to employees who experience a work-related injury or illness. It can also help protect your business if an employee sues you because of their injury or illness.

Help Protect Your Vehicles

If your business uses any company-owned or personal vehicles for work-related driving, you’ll need coverage that you can rely on. Depending on what state you’re in, you’ll likely need commercial auto coverage to keep you and your employees protected on the road.

In 2020, there were more than 2.1 million emergency department visits for injuries resulting from motor vehicle crashes.²

Employee Car Accident

“Our employees use our company-owned car to deliver garments to customers’ homes. While on the way to make a delivery, my employee was rear-ended by someone, causing quite a bit of damage to the vehicle.”

Commercial auto insurance can help cover the costs of an auto accident if you or your employees use vehicles for business purposes. It can help pay for property damage and medical bills resulting from a car accident.