Commercial industry
Laundry and Dry Cleaning Insurance
A dry cleaner or commercial laundry holds other people’s garments and runs heat, solvents, and water through a plant. The claim that ruins a week is a bailee loss — a fire or a lost lot of customer goods — or a boiler and press breakdown that stops the plant. A store BOP without bailee and equipment breakdown is a brochure.
We place retail dry cleaners and small commercial laundries. If you are industrial linen for hospitals or hotels, say so; the values and the pollution story change.
Risks we actually schedule
- Fire or theft of customer garments in your care — a bailee claim.
- Boiler, press, or dryer breakdown and the business-income tail.
- Solvent and waste issues a GL pollution exclusion will not cover.
- Delivery-van claims on route work.
Frequently asked questions
Does GL pay for a customer’s ruined wedding dress?
Usually not. Property in your care is excluded on GL. Bailee / customers’-goods coverage is the form.
Do we need pollution coverage?
If you use dry-cleaning solvents or you generate regulated waste, yes. A limited endorsement may be enough for a small plant; we will not guess.
Are route stores and the plant on one policy?
They can be, with each location scheduled. Drop stores without processing still need premises and bailee if goods sit overnight.
Related coverage, industries, and locations
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Industry pagePennsylvania
Licensed commercial insurance broker serving Pennsylvania.
State page