What Kind of Insurance Do I Need for a Dry Cleaning Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Nov 5
- 2 min read
Starting a dry cleaning business comes with unique risks—from handling expensive garments to operating specialized equipment. Protecting your investment is essential for long-term success.
At Wexford Insurance, we specialize in providing tailored coverage for dry cleaners, laundromats, and garment care businesses. Understanding the right insurance policies ensures your business stays secure against unexpected challenges.
Why Insurance Is Critical for Dry Cleaners
Dry cleaning businesses face risks such as:
Customer garment damage or loss
Equipment breakdowns
Fire or water damage to property
Employee injuries
Vehicle accidents during pickup and delivery
Without proper coverage, these incidents can lead to costly claims and business interruptions.
Essential Insurance Policies for Dry Cleaning Businesses
Protects your business from third-party claims for bodily injury or property damage. For example, if a customer slips in your shop or claims their garment was damaged, this coverage helps cover legal and settlement costs.
Covers your building, equipment, and inventory against risks like fire, theft, or water damage. Dry cleaning machines and pressing equipment are expensive—this policy ensures you’re not paying out of pocket for replacements.
Dry cleaning machines are the backbone of your business. If they fail, operations stop. Equipment Insurance covers repair or replacement costs, minimizing downtime and financial loss.
Required if you have employees. It covers medical expenses and lost wages if an employee is injured while handling chemicals or operating machinery.
If you offer pickup and delivery services, this coverage protects your vehicles and drivers against accidents, liability claims, and property damage.
Additional Coverage Options
Bailee’s Coverage – Protects customer garments in your care, custody, or control.
Business Interruption Insurance – Helps cover lost income if your shop is forced to close temporarily due to a covered event.
Final Thoughts
Running a dry cleaning business means managing more than just cleaning garments—you’re responsible for customer trust, expensive equipment, and operational safety. The right insurance coverage isn’t just a safeguard; it’s a foundation for stability and growth. By protecting your property, employees, and customer garments, you can focus on delivering quality service and expanding your business with confidence.
Contact us today.
