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Laundromat and Dry Cleaners Insurance

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Specialist insurance for laundromats, dry cleaners and self-service laundries

Our insurance brokers help laundromats and dry cleaning businesses find suitable cover for their property, equipment, customers, employees and day-to-day operations.

Protect Your Business From the Unexpected

Laundromats and dry cleaning businesses face a range of risks that can affect their operations, assets and customers. Equipment breakdown, damage to customer clothing, theft, fire, business interruption and liability claims can all lead to significant financial losses.

 

At Ian Jones Insurance Brokers, we understand the specific insurance considerations of the laundry and dry cleaning industry. With more than 35 years of experience, we can compare suitable laundromat insurance, dry cleaners insurance and other business covers.

 

Whether you operate a self-service laundromat, coin-operated laundry, traditional dry cleaning business or provide pick-up and delivery services, our brokers can assess your risks and help structure appropriate protection. We can also review your existing policies to identify potential gaps, unnecessary cover and opportunities to improve your insurance arrangements and manage premiums.

The right protection for your business

Public liability and customer property cover

Public liability insurance can protect your business against certain claims for injury to third parties or damage to their property arising from your business activities. For laundromats and dry cleaners, this can be particularly important where customers visit your premises or leave clothing and other belongings in your care.

 

Customer property can present additional insurance considerations, particularly where items are being cleaned, stored or handled by your business. We can help you understand how your policy responds to these risks and whether additional cover may be appropriate.

 

Property, equipment and business interruption cover

Your premises, commercial washing machines, dryers, pressing equipment, fittings and other assets represent a substantial investment. Appropriate property insurance can help protect these assets against insured events such as fire, theft and other damage.

 

For businesses that rely on specialised machinery to operate, equipment breakdown insurance can provide an important layer of protection if essential equipment unexpectedly fails or is damaged.

 

An insured event can also interrupt your ability to trade and affect your income. Business interruption insurance may help cover certain loss of income and additional expenses while your business works to resume normal operations.

 

Theft, money and glass cover

Laundromats and dry cleaners can have significant amounts of equipment, stock, customer property and, in some cases, cash on the premises. Coin-operated and self-service machines can also increase exposure to theft and burglary.

 

Depending on your business and its individual risks, your insurance can be structured to provide protection for events such as burglary, theft, loss of money and damage to plate glass, helping safeguard your premises and valuable business assets.

 

Motor vehicle and delivery cover

If your dry cleaning business offers pick-up and delivery services, your vehicles form an important part of your overall risk profile and should be appropriately insured.

 

We can arrange motor vehicle insurance for vehicles used in your business and ensure your vehicle cover aligns with your broader insurance needs.

 

Workers compensation insurance

If you employ staff, workers compensation insurance is generally required by law, with requirements varying between Australian states and territories.

 

Your employees may be involved in operating machinery, handling chemicals, lifting customer items, cleaning premises or carrying out delivery work. We can help you understand your workers’ compensation obligations and ensure this forms part of your broader insurance arrangements.

Why choose Ian Jones Insurance Brokers?

Securing suitable insurance for a laundromat or dry cleaning business can be challenging, with some insurers reluctant to cover the industry due to its claims history and the risks associated with commercial equipment and customer property.

 

At Ian Jones Insurance Brokers, we understand the specific insurance needs of this specialist industry and have experience helping businesses across Australia navigate their insurance requirements. Our brokers take the time to understand how your business operates, the risks you face and the protection you need.

 

Extensive insurer access

With access to more than 150 insurers and underwriting agencies, we offer a broad range of insurance options for specialist industries.

 

Ongoing support

Your insurance needs can change as your business grows or your operations evolve. We provide ongoing support to help you keep your cover up to date and make informed decisions when circumstances change.

 

Competitive premiums

We compare suitable insurance options to help you find a balance between the protection your business needs and the premium you pay.

 

Existing policy reviews

We can assess your current insurance against other suitable options to identify any gaps in cover, unnecessary policies or areas where your insurance could be improved.

FAQs

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What is laundromat insurance?

Laundromat insurance refers to a combination of business insurance policies designed to protect laundromats and self-service laundry businesses against risks associated with their premises, equipment, customers and daily operations.

Depending on the business, cover may include property, equipment breakdown, public liability, business interruption, theft, money, glass, motor vehicle and workers’ compensation insurance.

The appropriate cover will depend on your business activities, assets, premises and individual circumstances.

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What does dry cleaners insurance cover?

There is no single policy that automatically covers every dry cleaning business. A tailored insurance program may include:

  • Public liability insurance
  • Property and contents insurance
  • Equipment breakdown
  • Business interruption
  • Burglary and theft
  • Money
  • Plate glass
  • Customer property in your care, custody or control
  • Motor vehicle insurance
  • Workers compensation insurance
  • Other specialist business covers.

The available cover, limits, exclusions and conditions will depend on the policies selected and the insurer’s policy wording.

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Do laundromats need public liability insurance?

Laundromats regularly interact with customers and members of the public, making public liability insurance an important consideration.

A claim involving an injury at your premises or damage to another person’s property can result in significant legal and compensation costs. The appropriate level of cover will depend on your premises, activities and individual risk exposure.

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Is customer clothing covered by dry cleaners insurance?

Customer clothing can present a particular insurance consideration for dry cleaning businesses because items may be in your care, custody or control.

Standard public liability insurance does not necessarily provide cover for every situation involving customer property. We can help you understand how your policy responds to customer clothing and whether additional or specific cover should be considered.

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Do laundromats need equipment breakdown insurance?

Equipment breakdown insurance can be an important consideration for laundromats, where commercial washing machines, dryers and other essential equipment are critical to keeping the business operating.

A machinery breakdown can result in repair or replacement costs and may also interrupt your ability to trade. Equipment breakdown cover can be considered alongside property and business interruption insurance, depending on your circumstances.

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Is workers compensation insurance required for dry cleaners?

If you employ workers, you will generally need workers compensation insurance, although the specific requirements vary between Australian states and territories.

Your obligations can depend on factors such as how workers are engaged, the nature of the business and the state or territory in which you operate. We can help you understand your insurance requirements and arrange appropriate cover.

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How much does laundromat insurance cost?

The cost of laundromat insurance depends on factors including the size and location of your premises, the value of your equipment and other assets, annual turnover, number of employees, services provided, claims history and the level of cover required.

Our brokers can compare suitable options and help you find appropriate protection at a competitive premium.

What our clients say

  • “Cover your Assets”

    You don't usually give a great deal of thought about insurances that you have until the worst happens, then it's all you think about. The advice we get from Ian Jones Insurance Brokers makes it obvious that they have done the thinking for us. They have enabled us to recover from losses over the years that bring comfort in knowing that they have done what their catch phrase states - Cover your Assets

    Sam Miranda, Sam Miranda of King Valley Pty Ltd

  • “Courteous & friendly”

    Every time we need to call we get the answer to what we need to know, efficiently and in a courteous and friendly manner

    Ron Bower, Ron Bower Automotive

  • “A great advantage”

    Ian and his highly professional team have looked after our group insurances since 1999 and we have found them to be consistently easy to deal with and have earned our trust, 100%. They have always given the right advise and make the whole insurance process seem effortless, which, given the complexities of our business, is a great advantage

    Michael Coleman, Director, Coleman Group Australia Pty Ltd and Mayo Civil Pty Ltd,

  • “Thank you”

    It is with great pleasure that I advise of the professionalism of Ian Jones Insurance Brokers. Their service is of the highest quality with a big plus being the establishment of the Raymond Terrace office .Once again thank you

    Bruce McVey, Director, Axies Pty Ltd

  • “Our best interests at heart”

    We don't need to look around for any other insurance advice. Ian Jones Insurance Brokers instil confidence within us that negates that need and we know they have our best interests at heart

    Kylie Harris, Director, Fitness Junction

  • “Courteous, friendly and professional”

    Every time we need to call and get some insurance advice or assistance, we get the answer to what we need to know, efficiently and in a courteous, friendly and professional manner. That's why we have insured our business and other assets with Ian Jones Insurance Brokers for the past 10 years

    Craig Young, Director, Windsor Products Pty Ltd

  • “Strongly recommended”

    It's refreshing to see someone who takes a great deal of interest in our business to ensure that they get the complete picture of what we do. Ian Jones Insurance Brokers seems to go that extra mile to make sure that we know what we have and how it needs to be protected. We would strongly recommend dealing with Ian Jones Insurance.

    Josh Ferris, Director, Ferris Building Pty Ltd

  • “Professional service and quality advice”

    Over the past 17 years Ian Jones Insurance Brokers has provided us with a variety of business, motor vehicle and home insurance policies. Ian and his staff have always provided professional service and quality advice as to the most suitable policy and options relating to our needs. On the occasions when we have needed to make a claim, the service has been prompt with regular follow ups to ensure the process was moving smoothly. I have recommended Ian Jones Insurance Brokers to friends and business colleagues with full confidence and have always heard nothing but great responses from anyone who has utilised Ian and his staff for the provision of insurance services.

    Geoff Grimley, Business Principal, Rapport IT Solutions

  • “Good sound advice”

    Insurance is a difficult and complex part of running a business so getting someone who can give good sound advice is paramount. The team at Ian Jones Insurance Brokers break down the walls and communicate their profession in our language. A pleasure to deal with, not only from our perspective but also from those mutual clients that we know who use their services

    Vincent Heufel, Director, Heufel Partners Business Advisors Pty Ltd

  • “On your side”

    When something goes wrong and you have that first thought, it’s not a good feeling. One call and the reassurance is a great relief, and then the claims process is aided by someone with knowledge and who is on your side. That’s why we renew every year

    Peter Ryan, Ryan Signs

  • “Easy to deal with”

    I hate insurance and hate paying for it, but Ian Jones Insurance Brokers somehow seems to make it a somewhat more pleasurable pain

    David Barnett, Owner, Our Town Body Repairs

  • “Easy to understand terms”

    It’s great to have someone providing insurance product information with great knowledge….even better when they can spell it out to you in easy to understand terms

    Brad Jones, Director, Admix Media.

  • “The right information to make the right decision”

    The people at Ian Jones Insurance Brokers will always let you know what insurances are suitable to your particular situation so at least you know what you can do about it with the right information so as we can make the right decision

    Peter Sutherland, PJS Plumbing Pty Ltd

Get the right cover for your business

Laundromats and dry cleaning businesses can face specialist risks that are not always addressed by standard business insurance. From equipment breakdown and customer property to public liability, theft and business interruption, having appropriate protection can help you manage the financial impact of unexpected events.

 

Ian Jones Insurance Brokers can help you review your risks, compare insurance options and arrange suitable laundromat insurance, dry cleaners insurance and other business protection.

 

Contact our experienced insurance brokers today for a free quote.