The Ins and Outs of Dry Cleaners’ Insurance

As is the case with most businesses, owning a dry cleaning business comes with a certain amount of risks.  Luckily, there are ways to help protect your business in case something goes wrong.  This is where commercial dry cleaners insurance comes in.

What Kinds of Coverage Do Dry Cleaning Businesses Need?

The first type of coverage you are going to want to obtain is business property insurance.  This type of insurance provides coverage for your washers, dryers, computers, and any other dry cleaning equipment.

You are also going to want a good general liability insurance policy.  Liability insurance protects your business in circumstances where a customer is hurt or their property is damaged.

If your dry cleaning business has employees, you are also going to need workers’ compensation insurance.  This type of insurance provides coverage for your employees in circumstances where they are injured or become ill while working.  Employee injuries at dry cleaning businesses are more common than you would think due to exposure to heavy machinery, chemicals, and heat.

Some other types of insurance that you may need are:

  • Pollution liability insurance is necessary if your dry cleaning business uses and disposes of certain chemicals.
  • Employment practices liability insurance may be helpful to protect you against lawsuits from employees that are claiming discrimination.

Owning a dry cleaning business is not a risk-free endeavor.  Having the right dry cleaners insurance can make all the difference!