Launderette and dry cleaners insurance
Take a look at our quick guide to insurance for launderettes and dry cleaners - including certain forms of cover you may benefit from.
During the day-to-day operation of your launderette or dry cleaning business, there are probably a number of dangers and risks that could negatively affect your business. From damage of expensive machinery, to a member of the public sustaining injury while on your premises, there are a number of threats that could have the potential to leave you, and your business, financially vulnerable.
That’s where launderette insurance and dry cleaners insurance come in. Strictly speaking, this isn’t a type of insurance policy in itself, but rather, an umbrella term used to refer to a collection of covers that could be beneficial in a launderette or dry cleaner’s insurance package.
What does insurance for dry cleaners and launderettes cover?
Launderette insurance packages are designed to provide businesses with bespoke protection that's based on the risks they may be exposed to.
While it is recommended that you purchase an insurance package specifically tailored to your business’s needs, there are certain types of insurance that are likely to be beneficial to most dry cleaners and launderettes given that many will face similar risks in their day to day operations.
For instance, as members of the public will be coming in and out of your business premises all day, you may deem it necessary to have protection in place to account for the possibility of a customer suffering injury – or damage to their property – while on your premises. This could offer cover in scenarios such as a customer slipping on a wet floor, and holding you responsible for any injury that they suffer as a result. Public liability insurance could provide you with financial assistance in this situation, and is typically considered an important form of cover for dry cleaners and launderettes.
For a dry cleaning business, public liability insurance could also protect you if someone’s property were damaged by mistake while in your possession. For example, if a bottle of bleach was accidentally spilled over an expensive wedding dress, it’s likely that you would be held responsible for replacing the dress, or paying to repair the damage. Including public liability cover in your dry cleaner’s insurance package could provide financial help if you so required.
Click the link to compare public liability insurance prices.
Please note that unmanned launderettes carry an additional risks, and as such we cannot provide quotes for this type of business at Make it Cheaper.
Your business is likely to rely on a lot of specialist equipment for daily operation, such as washing machines and tumble dryers, and protecting these assets is essential. If an unexpected event, such as a flood or fire, caused serious damage to your washers and dryers, you may not be able to afford to replace them all out of your own pocket. A successful claim on a contents insurance policy can help to repair damage caused to your business contents, as well as replace lost or stolen items.
Contents insurance can often be tailored to your business’s needs – for example, you could also include protection for items such as stock kept on your business premises, or goods in transit if you offer a delivery service.
It’s possible that your business could be in a situation where you are unable to open or trade normally, due to circumstances outside of your control. For instance, a major power cut may mean that none of your machines are useable, or a road closure could leave customers unable to reach you. In these situations, it’s possible that business interruption insurance could compensate you for loss of earnings caused, as well as help you to pay overheads until the interruption is resolved.
It’s important to remember that the interruptions that are covered under this policy could vary between insurers. For example, one insurer may offer business interruption in the event of a burst pipe affecting your business, while another may not. As with any policy, it’s up to you to make sure you get the cover that’s right for your business’s circumstances.
Employers’ liability insurance is a legal requirement for most businesses in the UK, so there’s a good chance that you’ll be including it in your launderette insurance package. Your business could be held liable if one of your employees is injured while at work, and if they subsequently brought a claim against you. You may have to pay for a legal defence and possibly compensation, too. An employers’ liability insurance policy could provide financial assistance for you in this situation.
Dry cleaner and launderette insurance
To get launderette and dry cleaners insurance that’s tailored to your business’s needs, get in touch with Make It Cheaper Financial Services. Our team of insurance experts can help you to decide which forms of cover may be most beneficial in protecting against the risks that your business faces, and can offer a competitive quote for cover based on those needs.
Give us a call on 0800 144 4808.
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