Laundromat Insurance

small business owners protected by laundromat insurance

Coin Laundry Insurance Made for Laundromats

Your customers count on you for reliable service, and you count on their repeat business to build a thriving laundromat. Laundromat insurance can help you deal with the unexpected, so you can keep your operations going. Get the protection you need from our partner, Tivly.
 
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small business owners protected by laundromat insurance
small business protected by coin laundry insurance

Why Do You Need Laundromat Insurance?

Laundromat owners face various risks every day, from broken machines to customer injuries. But with coin laundry insurance, you can help protect your business. Without coverage, you would have to pay out of pocket for costly claims, which puts your business at financial risk.
 
We understand the challenges businesses like yours face. That’s why we’ve partnered with Tivly to help you get the coverage you need.
small business owner happy with laundry insurance

Who Needs Laundromat Insurance?

  • Laundromats
  • Dry cleaners
  • Commercial laundry services
  • Wash and fold services
small business owner protected by insurance for laundry business

What Kind of Insurance Do Laundromat Operators Need?

Many coin laundry operators start with a Business Owner’s Policy (BOP) for their insurance needs. It can help protect your business from claims of bodily injury or property damage.
A BOP includes three essential types of coverage in one policy:
 
  • General liability insurance helps cover claims that your laundromat caused bodily injury or property damage to someone else.
  • Commercial property insurance helps protect the owned or rented building you operate your laundromat from, as well as the equipment and supplies you rely on.
  • Business income insurance helps replace your lost income if you can't operate because of property damage caused by fire, theft or wind.
It's important to know a BOP won't cover every kind of claim your business could face. You may need other types of insurance to get more protection, including:
 
 

How Much Does Laundromat Insurance Cost?

The cost of insurance for the laundry business varies because every business owner has specific needs. Insurance companies also use different factors to determine rates. The best way to find out how much laundromat insurance costs is to get a quote from our partner, Tivly.

Covering Your Operations

Owning a laundromat means juggling everything from machine maintenance to creating a welcoming space for your customers. However, unexpected incidents can slow your business down. With comprehensive coverage, you can focus on your business and customers.
Small to mid-size businesses account for nearly half of commercial tort costs.1
General Liability Insurance for laundromats

General Liability Insurance

“One of our customers slipped on a wet floor near the washers and fractured her elbow. She sued my business to cover her medical bills.”
 
General liability insurance helps cover claims that your laundromat hurt somebody else. It can help pay for their medical expenses or your legal costs if you get sued.
business income insurance for laundromats

Data Breach Insurance

“The payment portal we use at our laundromat got hacked. Since it stored our customers’ payment information, the hackers ended up taking all that data.”
 
Data breach insurance helps your business respond to a breach if personally identifiable information (PII) gets lost or stolen. Some insurers call this coverage "cyber insurance."

Taking Care of Your Team

From day-to-day tasks to customer interactions, your employees help you run a smooth and efficient laundromat. With the right insurance coverage, you can help protect them from the risks they face every day on the job.
There were approximately 3 million workplace injuries in the U.S. in 2022.2
workers' compensation Insurance for laundromats

Workers’ Compensation Insurance

“One of my employees threw out her back lifting a heavy bag of laundry. She needed to take two weeks off to rest and heal.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages.
commercial auto insurance for laundromats

Commercial Auto Insurance

“My manager was on his way to drop off clean laundry at a client's house when another driver T-boned him at an intersection. He had to go to the ER to treat a broken arm and needed time off to recover.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.

Protecting Your Property

Your laundromat's equipment and supplies are essential to your business. Unexpected damage, theft or accidents can disrupt operations and lead to costly repairs or replacements. With the right insurance, you can protect the equipment you and your customers rely on.
There are 16,500 office and store fires every year.3
commercial property insurance for laundromats

Commercial Property Insurance

“One of our dryers caught fire because of a clogged lint trap. It destroyed the machine and we had to order a brand new one.”
 
Commercial property insurance helps protect your business' equipment and supplies from damage caused by fire, theft or storms.
Business Income insurance for laundromats

Business Income Insurance

“The business next door to our laundromat caught on fire. We had to close down for two weeks because of the amount of smoke damage.”
 
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities when you can't operate your business because of covered property loss.

Laundromat Insurance Suited to Your Business

Running a laundromat is hard work. On top of everyday responsibilities, you also face unique risks. That's why it's important to get the right insurance coverage to help protect your company. Our partner, Tivly, can help you get the coverage you need to keep your laundry business thriving.
 

Frequently Asked Questions About Laundromat Insurance

Laundromat insurance consists of different types of coverage to help protect you from claims that your business caused bodily injury, illness or property damage. If your laundromat gets sued, your insurance coverage can help pay for legal costs, such as attorney fees, settlements or judgments. Certain types of business insurance for coin laundries can also help protect your vehicles, expensive equipment and other supplies. So, if they get damaged or stolen, your insurance coverage can help pay to repair or replace them.
Your laundry business needs insurance because it faces risks every day during normal operations. Without it, you’d have to pay out of pocket for costly legal claims and damages against your business. In some instances, a fire, flood or customer claim could be financially devastating to a small business. In addition, some states may require you to carry certain types of business insurance.
The best way to get laundromat insurance is to get a quote through our partner, Tivly.
small business owner knows laundromat insurance cost

Learn More About Laundromat Insurance

Work with our partner, Tivly, to find the coverage you need for your laundromat.
 
Quote Today
 
 
Last Updated: February 12, 2025
 
1 Institute for Legal Reform, “Tort Costs for Small Businesses”
 
2 Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2022”
 
3 Federal Emergency Management Administration, “Workplace Fire Safety”
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
 
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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.
 
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