Dry Cleaners Insurance

small business owner feeling secure knowing they're covered by dry cleaners insurance

Customized Insurance for Dry Cleaning Businesses

We know you take extra care of your customers’ clothes so they can feel their best. With dry cleaners insurance to fit your needs, you’ll have the protection you need to work confidently. 
 
Quote Today
small business owner feeling secure knowing they're covered by dry cleaners insurance
small business owner feels safe protected by dry cleaners insurance program

What Is Dry Cleaning Insurance?

Dry cleaners insurance is a specialized type of business insurance created for laundromats and dry cleaners. Owning a dry cleaning business comes with costly risks, such as employee injuries and lawsuits. Without workers’ compensation insurance coverage, your business would have to pay out of pocket if an employee is injured on the job.

What Is Included With Dry Cleaners Insurance From The Hartford?

With dry cleaners insurance from The Hartford, there are multiple business insurance coverage options to help safeguard your business:
 

Workers’ Compensation Insurance

Workers’ compensation insurance for dry cleaners and laundromats gives your employees financial benefits if they’re injured or become ill on the job. Most states require employers to have this coverage to keep their employees protected. Workers’ comp benefits can help:
 
  • Cover medical bills and treatment costs
  • Replace lost wages if an employee needs to take time off from work to recover
  • Provide disability benefits
  • Give death benefits
  • Cover costs related to an employee’s lawsuit from a work-related injury or illness

Commercial Auto Insurance

Commercial auto insurance helps cover the cost of an auto accident if you or your employee is at fault. If you or your employees drive a personal or company-owned vehicle for business reasons, commercial auto insurance coverage is important. Coverage requirements will vary by state, so be sure to check with your local laws.
 

How Much Does Laundromat Insurance Cost?

On average, laundromat business owners paid about $1,718 annually, or $143 a month, for workers’ compensation insurance.** However, your small business insurance costs often depend on different factors, like:
 
  • The type of coverages selected
  • The size of your business
  • Your business location
  • Number of employees
  • Your claims history
  • What level of safety measures and training your employees receive

Common Questions About Dry Cleaners Insurance

The dry cleaners insurance program from The Hartford offers coverages to help protect your dry cleaning business and your employees from costly risks associated with your work. Without business insurance, your company would have to pay out of pocket for unexpected claims that can come up during normal business operations.
 
If you own a dry cleaning business, you may need these types of business insurance:
 
  • Workers’ Compensation Insurance
  • Commercial Auto Insurance
If you own a dry cleaner service, having insurance is one of the best ways to protect your business and employees from risk. In most states, you’re required to have workers’ compensation insurance to provide employees with financial benefits if they’re injured or become ill on the job. Also, if you use any vehicles for business reasons, you’ll likely need commercial auto insurance coverage too. Insurance requirements can vary by state, so be sure to check with your local laws to find out what coverages you’ll need.
Dry cleaning business insurance can help protect against different scenarios that can easily happen, like:
 
  • An employee slipping and falling on spilled laundry detergent
  • A car accident that occurs while delivering garments to a customer
  • A terminated employee suing your business for wrongful termination
  • A hacker stealing your customers’ data from your company database

Help Protect Your Team

As a small business owner, you rely on your team to help get the job done. That’s why it’s key to have the right types of business insurance to protect you and your employees.
Employers reported 2.8 million nonfatal workplace injuries and illnesses in 2022.1
Workers' Compensation Insurance for Pet Sitters

Employee Injury

“One of my employees burned her arm while steaming a garment for a customer. She ended up needing to take time off to recover and missed a few months of work.”
 
Workers’ compensation insurance helps give financial benefits to employees who experience a work-related injury or illness. It can also help protect your business if an employee sues you because of their injury or illness.

Help Protect Your Vehicles

If your business uses any company-owned or personal vehicles for work-related driving, you’ll need coverage that you can rely on. Depending on what state you’re in, you’ll likely need commercial auto coverage to keep you and your employees protected on the road.
In 2020, there were more than 2.1 million emergency department visits for injuries resulting from motor vehicle crashes.2
Commercial auto insurance for food trucks

Employee Car Accident

“Our employees use our company-owned car to deliver garments to customers’ homes. While on the way to make a delivery, my employee was rear-ended by someone, causing quite a bit of damage to the vehicle.”
 
Commercial auto insurance can help cover the costs of an auto accident if you or your employees use vehicles for business purposes. It can help pay for property damage and medical bills resulting from a car accident.
small business owner delighted to be protected by dry cleaning insurance

Dry Cleaners Insurance That You Can Trust

We’re an insurance company with over 200 years of experience. We understand the unique risks that dry cleaners and laundromats face each day. We’re here to help customize an insurance policy for your industry.
 
Start Quote
 
 
Last Updated: April 8, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
1 Bureau of Labor Statistics, “Employer-Related Workplace Injuries and Illnesses – 2021-2022.”
 
2 Centers for Disease Control and Prevention, “Transportation Safety.”
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
Get a Business Insurance Quote