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Laundry and dry cleaning stores and plants provide on-site laundering and dry-cleaning for their customers. Items are dropped off, cleaned and picked up at the same location. Customers of these stores generally require fewer items to be laundered than those who choose industrial laundries.

General Liability Insurance for Laundry & Dry Cleaning Stores & Plants – Laundry and dry cleaning stores should separate work areas from customer areas by the use of “employees only” signage. Floor coverings should be clean and free of trip and fall hazards. Floors should only be swept, vacuumed, and mopped after hours (except when cleaning up a spill). Parking lots and sidewalks should be maintained and free of defects. An environmental hazard exists for dry cleaning stores and plants due to the chemicals used in the dry cleaning process. Proper disposal is required of all hazardous waste. Dry cleaning equipment should be maintained and inspected regularly for leaks. Repairs should be made immediately.

Workers’ Compensation Insurance for Laundry & Dry Cleaning Stores & Plants – Employees of laundry and dry cleaning stores and plants are at risk of being injured from the use of hazardous chemicals. Training should be provided for all chemicals requiring MSDS to inform employees on risks and how to respond to exposures. Eye injury, skin irritations, or breathing related problems could occur. Eye wash stations should be available, personal protective gear should be worn, and proper ventilation should be installed. Other potential injuries include burns from the use of irons and steam equipment. Employees should be thoroughly trained on the job and should receive safety training as well.

Business Auto Insurance for Laundry & Dry Cleaning Stores & Plants – Laundry and dry cleaning stores and plants should have low business auto risks unless pickup and delivery services are offered to their clients. Delivery vehicles carry a high risk of auto accidents due to the amount of time spent on the road. The delivery radius and traffic conditions will impact the auto risks. Laundry and dry cleaning stores should provide recent model vans for delivery that are maintained and serviced often. MVRs should be run prior to allowing driver status and driving records should be checked again every year for acceptability.

Property Insurance for Laundry & Dry Cleaning Stores & Plants – Fire risks will be high for laundry and dry cleaning stores and plants due to the dry cleaning machinery and possible chemicals used. Inspections and maintenance should be scheduled regularly for all machinery for issues such as frayed or worn out wiring. Boiler and Machinery coverage will be necessary for dry cleaning stores and plants. Boilers and dry cleaning machinery should also be maintained and inspected often to reduce the risks of fire, breakdowns, and malfunctions. Fire loads will be significant for laundry and dry cleaning stores and plants due to the amount of clothing items and flammable chemicals stored on site. Inland Marine coverage will be necessary to insure the property of others. If flammable chemicals are used in the dry cleaning process, the extra chemicals should be stored away from work areas. Fire extinguishers should be strategically placed throughout the building and a central station smoke alarm system should also be in place.

Crime Insurance for Laundry & Dry Cleaning Stores & Plants – Due to the potential amount of cash on the premises, crime risks may be a concern due to employee theft or robbery. Laundry and dry cleaning stores and plants should limit the amount of cash kept in the cash register and checks should be immediately stamped “for deposit only”. In addition, bank deposits should be made everyday.