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These businesses provide locations for customers to drop off and pick up items to be laundered and dry cleaned. Customers drop off items at the pick-up establishments then items are transported to separate locations, cleaned and then returned to the business for pick-up.

General Liability Insurance for Laundry & Dry Cleaning Pick-Up Stations – Premises liability risks can be reduced for laundry and dry cleaning pick-up stations by maintaining parking lots and sidewalks in order to prevent trip and fall hazards. Floor coverings inside the building should be swept and/or vacuumed daily to maintain a clean and safe environment for customers. 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.

Workers’ Compensation Insurance for Laundry & Dry Cleaning Pick-Up Stations – Employees of laundry and dry cleaning pick-up stations may be injured when loading and unloading delivery vans. The use of rolling racks will help to reduce back injuries. Automatic conveyers should be equipped with emergency shut off switches in order to prevent employee injury. Work areas should be organized and clutter free to prevent trip and fall hazards to employees.

Business Auto Insurance for Laundry & Dry Cleaning Pick-Up Stations – Due to the delivery of laundry to and from off site cleaning plants, business auto risks will be high. Delivery vans should be in good condition and maintained regularly by an outside mechanic. A driver recruitment policy should be in place with MVRs run prior to allowing driver status. Annual MVR checks should be performed in addition to driver training for securing loads. Business auto risk factors will be increased for laundry and dry cleaning pick-up stations by youthful and inexperienced drivers and frequent deliveries during busy traffic conditions.

Property Insurance for Laundry & Dry Cleaning Pick-Up Stations – The design and construction of the building should minimize fire loss and should be in compliance with local building ordinances. Laundry and dry cleaning pick-up stations will have a significant fire load due to the large amounts of clothes on site. Central station smoke alarms and fire extinguishing systems should be in place. Specialized Inland Marine property coverage will be needed to insure the personal property of others, computers, glass, and outdoor signs.

Crime Insurance for Laundry & Dry Cleaning Pick-Up Stations – Dishonest employees may steal clothing items or money and securities from the laundry and dry cleaning station. Employees should be prescreened using detailed applications and reference checks. All incoming checks should be immediately stamped “for deposit only” and bank deposits should be made everyday. Burglary risks of money and securities can be reduced by the use of adequate outside lighting, double cylinder deadbolt locks, and a central station alarm system that is equipped with glass breakage and motion detectors.