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These establishments rent out various laundered linen supplies, such as bedding, towels, These establishments rent out various laundered linen supplies, such as bedding, towels, diapers and uniforms. Their primary clients are businesses that use a high volume of linens, such as hotels, hospitals and businesses that require their employees to wear uniforms. Linen supply establishments may or may not operate their own laundry facilities.

General Liability Insurance for Linen Supply Services – Premises liability risks should be low for linen supply services since they usually travel to meet their clients instead of the clients coming to them. The occasional visitors will primarily consist of salespeople, vendors, and clients. Visitors will typically be restricted to a waiting area or reception area. Work areas should be separated from visitor areas and designated by conspicuous “Employees Only” signage. Environmental hazards should be prevented by properly disposing of laundry wastewater. Outside areas such as parking lots and sidewalks should be maintained and free of hazards such as potholes and cracks.

Workers’ Compensation Insurance for Linen Supply Services – Linen supply services employees may suffer from skin irritation, eye injury, or breathing related problems when using hazardous laundry chemicals. A formal Hazard Communication program should be designed to protect workers against such hazardous substances. Material Data Safety Sheets (MSDS) should be available for quick reference. On the job training should be provided for the proper use of the laundry machinery and equipment. Back injuries may result from lifting and moving heavy laundry loads. Proper lifting techniques should be enforced to reduce employee injury.

Business Auto Insurance for Linen Supply Services – Linen supply services usually offer pickup and delivery services, which results in increased auto exposures. Delivery vehicles should be in good repair and serviced often. Liability increases as the radius of operation increases. Frequent deliveries, youthful operators under age 25, and heavy traffic conditions will also increase risks. MVRs should be checked for all drivers for acceptability.

Property Insurance for Linen Supply Services – Fire risks are significant for linen supply services. All machinery should be inspected regularly to ensure proper working order to reduce fire risks and to prevent Boiler and Machinery claims. Dryers could overheat and cause a fire. Fire may also result from the use of steam irons and other related pressing equipment. The fire load consists of large quantities of linens and uniforms in addition to flammable detergents and cleaning supplies, lint buildup, and plastic bags. Firewalls should separate work areas from storage and office areas. Central station and local smoke alarms should be in place along with fire extinguishing equipment. Inland Marine coverage will be necessary for linen supply services that launder items owned by their customers.

Crime Insurance for Linen Supply Services – If delivery drivers for linen supply services are responsible for collecting payments, the risks of robbery and employee theft will be elevated. Money should be secured and locked inside the delivery vehicles until the driver returns. Checks and balances should be in place to ensure the driver turns in all the money he/she receives. Employees and drivers should be trained to not resist the demands of robbers.