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These establishments also referred to as laundromats, provide washers and dryers for customers to use on-site. Customers typically pay for their usage of washers and dryers by depositing coins into the machines. Self-service laundry business employees may provide service to customers by providing change, selling detergent or supervising the machines.

General Liability Insurance for Laundry & Dry Cleaning Self Services – Spills and wet floors at laundry and dry cleaning self services should be cleaned immediately and “wet floor” warning signs should be used in order to prevent slip and fall hazards to customers. Chairs, folding tables, and any other furniture should be sturdy and in good condition to reduce customer injuries. Public restrooms should be constructed to code to ensure safety and ADA compliance.

Workers’ Compensation Insurance for Laundry & Dry Cleaning Self Services – If attendants are employed by the laundry and dry cleaning self service center, they will be at risk of slipping and falling if floors are wet or defective. Employees may be shocked or injured from the use of washing machines, dryers, or dry cleaning machinery. All equipment should be maintained and regularly inspected to ensure proper working order.

Business Auto Insurance for Laundry & Dry Cleaning Self Services – Business auto risks should be low for laundry and dry cleaning self services. If dry cleaning is sent off site to be cleaned at another location, then auto risks will be increased. Business auto liability usually results from employees who run an occasional errand. Risks can be reduced if MVRs are checked for all drivers.

Property Insurance for Laundry & Dry Cleaning Self Services – Fire risks are significant for laundry and dry cleaning self services. Dryers should be maintained and inspected often to prevent overheating and malfunctioning. Washing machines and dryers should not be used if repair is needed and older machinery should be replaced. The fire load consists of large amounts of clothing and lint buildup. Fire extinguishing systems should be in place.

Crime Insurance for Laundry & Dry Cleaning Self Services – Cash may be stolen by outsiders from the change machine or from the coin boxes located on the washing machines and dryers. Laundry and dry-cleaning self-services’ coin boxes should be emptied often as a result. Cash money should be placed in a fire and theft proof safe until deposited at the bank. Bank deposits should be made everyday and at different times to prevent robbery. Employee dishonesty can be prevented by performing frequent internal audits.