Frequently asked questions
The most frequently asked questions about our industry.
1. Who needs cleaners insurance?
Professions that commonly need cleaning insurance include:
- Carpet Cleaning
- House Cleaning
- Laundry Services
- Dry Cleaning
- Office Cleaning
- Commercial Cleaning
2. How much does it cost?
Your cleaning insurance cost will typically depend on the specific types of cleaning services you do. Insurance companies generally consider your coverage needs, claims history, number of employees and other factors before providing you with a final rate.
3. Why choose us?
We have years of experience in the industry and we pride ourselves on making insurance easy to understand for our customers of all backgrounds. That, combined with our industry knowledge, puts us over the edge when it comes to fabricare, laundry, and dry cleaner insurance coverage.
4. What daily risks to laundromats & dry cleaners face?
- Slips and falls due to wet or uneven floors
- Fires due to excess lint in dryers, chemicals on clothes placed in dryers or flammable items placed in dryers
- Security concerns including theft, vandalism and other forms of crime done in a facility
- Equipment breakdown
- Floods, power outages or weather events that force you to cease operations
- Electrical problems
- Property damage due to tornadoes, hail, windstorms, flooding or heavy rain/snow
Insurance Policies
Our most frequently asked questions about the types of coverage that we provide.
1. What is General Liability Insurance?
Some clients may require you have this common coverage before you can work for them. It covers instances of bodily injury along with property damage that may happen while on the job.
2. What is Commercial Auto Insurance?
This coverage is for vehicles used to travel to jobsites and transport work supplies such as. towels, mops, buckets, cleaning products and other related equipment.
3. What is Excess Liability?
Excess liability is an umbrella policy that you will be relieved to have when you face a lawsuit that costs more than your general liability policy can cover.
4. What is Workers Compensation?
This coverage is for employees who may get injured or ill while at work.
5. What is Property Insurance?
This coverage protects you from equipment issues, water/sewer problems, fires, and robbery.
6. What is Business Property Insurance?
This policy provides coverage for your coin-operated washer and dryers, commercial laundry machines, dry cleaning equipment, computers, and more.
7. What is Pollution Liability Insurance?
This coverage may be needed by dry cleaners that use and dispose of certain chemicals or other pollutants.