Do I need dry cleaners insurance?
If you’re running a dry cleaning business, you need insurance that covers your customers, staff and suppliers as well as property protection for both you and your clients’ goods.
Insurance for dry cleaners is designed to protect your business against a range of exposures; from fire to theft and even accidental damage to customers’ garments.
With so many risks involved with the trade, it’s essential to have the right dry cleaners insurance in place to protect against the unexpected. We’re here to help you find the cover that’s right for you, to make arranging your insurance simple and hassle free.
Property insurance for dry cleaners
Your machinery and equipment are pivotal to the running of your business, so having the right cover for your assets is essential.
Typically, a dry cleaners insurance policy will protect your property from a host of perils, including fire, flood, theft, malicious damage, storm damage, and much more. It can also protect your customers’ goods while they are held in your trust, meaning that if something unexpected happened, you’re covered.
Business interruption insurance for dry cleaners
Severe property damage can leave businesses in a predicament without the right insurance in place, so it’s important to consider all eventualities. For instance, if a fire at your premises destroyed the building and equipment, it could take months to rebuild and get back up and running. Including business interruption insurance within your dry cleaners insurance policy could be a life saver to your business.
This invaluable cover can protect your loss of gross profit, staff wages and fixed business expenses should you suffer damage at your premises resulting from an insured event. It could also help you trade temporarily from another premises while your original shop is being restored.
Major losses like these can have a devastating effect on your business, so comprehensive insurance is key to your business continuity.
Liability insurance for dry cleaners
With customers, suppliers and staff visiting your shop throughout the day, you need liability cover to protect them if something goes wrong.
Liability cover is essential to protect you if your staff, suppliers and members of the public are accidentally injured or their property is accidentally damaged. Public liability insurance as part of your dry cleaners insurance policy can protect you if a client falls and injures themselves at your shop. It can cover any compensation awarded as a result, as well as any medical and legal costs incurred.
Employers' liability insurance covers you if your staff suffer in a similar instance. It’s a legal requirement to have this in place if you have full or part time staff, and can protect you up to a specified limit for an accidental injury happening at your place of business.
Legal protection for dry cleaners
Commercial legal expenses can be included in your dry cleaners insurance policy to safeguard against employment disputes and awards of compensation. It can also offer protection against tax and VAT disputes, and cover you financially if you, your business partners or employees are summoned for jury service.
Our knowledgeable business insurance specialists are on hand to discuss your requirements and make arranging your insurance policy simple and hassle free.
Compare dry cleaners insurance
We arrange insurance for dry cleaners to protect your livelihood against unforeseen events, and have many years’ experience sourcing cover for this trade. As a result, we’ve really got to know the industry and the exposures you face, meaning we understand the covers you need most. We are dedicated to arranging the right cover at the right price to give you peace of mind.