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Dry Cleaner Insurance

A dry cleaners business insurance policy is designed to address the common risks your business might face daily. From handling expensive clothing to dealing with chemicals, dry cleaners encounter a range of challenges. Having the right coverage helps protect your business from unexpected events like property damage, employee injury, or even customer claims.

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General Liability
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BOP
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Auto Insurance
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Workers Compensation

Is Dry Cleaner Insurance Required

Dry cleaners insurance is not required in every state, but certain locations may require specific coverages like workers’ compensation or liability insurance. Check with your state or local jurisdiction to see what's necessary for your business. Even if it’s not mandatory, having insurance provides crucial protection and peace of mind.

What's Covered Under Dry Cleaner Insurance

Dry cleaners insurance typically covers issues like equipment failure, property damage, and customer lawsuits.

For example, if a customer's garment is ruined due to a machine malfunction, your insurance can help cover the cost of replacing or repairing the item.

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What's Not Covered?

Your shop gets robbed, and cash is stolen from the register. Unfortunately, most dry cleaners insurance policies do not cover stolen cash. You’d need a separate policy for crime coverage. It's essential to know what’s excluded to avoid surprises when making a claim.

Other Insurance Dry Cleaners Need

Dry cleaners often carry additional types of insurance for complete protection, including:

  • Equipment Coverage: Covers damage or loss of cleaning machines.
  • Auto Insurance: Protects vehicles used for deliveries.
  • Surety Bond: Offers protection if a contract isn't fulfilled.
  • Workers' Comp: Covers employee injuries on the job.
  • Excess Liability: Provides extra coverage if a claim exceeds regular policy limits.
  • Professional Liability: Covers errors in service, like garment damage during cleaning.

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Get Dry Cleaner Insurance

USA Insurance has over two decades of experience in commercial insurance, specializing in protecting dry cleaners. With agents licensed in all 50 states, we combine nationwide reach with local expertise, ensuring you receive the best protection. Our 99% customer satisfaction rating speaks to our unmatched dedication and knowledge. Whether you’re a small neighborhood cleaner or a larger operation, USA Insurance tailors plans to fit your needs, offering peace of mind and comprehensive coverage for your business.

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