Dry Cleaners Insurance Designed for Your Business 
What types of insurance does a dry cleaning business need?
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Do Dry Cleaners Need Dry Cleaner Insurance?
A dry cleaner business needs several types of dry cleaner insurance to cover risks like property damage, on-the-job injuries, and client accidents.
Here’s a breakdown of the most important insurance policies every dry cleaner business should consider:
- General Liability Insurance – Covers third-party bodily injury or property damage claims.
- Professional Liability Insurance (malpractice) – Protects against negligence claims or unsatisfactory service disputes.
- Business Owners Policy– General liability insurance and business property coverage all in one.
- Business Income Interruption – Helps replace lost income and cover ongoing expenses if your operations are temporarily halted due to a covered event
- Cyber Liability Insurance – Essential for practices handling client data online, protecting against breaches and cyberattacks.
Get A Dry Cleaners Insurance Program
Protect your business with a dry cleaners insurance program built specifically for small businesses like yours. The right coverage helps you safeguard your equipment, employees, and customers, so you can focus on keeping things running smoothly, not worrying about risk.
A dry cleaners insurance program typically includes these extra insurance options:
- Property Insurance – Protects your building, cleaning equipment, and supplies.
- Bailee Coverage – Safeguards customers’ clothing while it’s in your care, custody, or control.
- Business Interruption Insurance – Replaces lost income if your operations are temporarily shut down.
- Equipment Breakdown Coverage – Covers the cost of repairing or replacing essential machinery.
With Gild’s dry cleaners insurance program, your business gets:
- Hassle-Free Experience – Get your free, online quote in minutes!
- Tailored Coverage – We design policies specifically for small businesses, whether you operate remotely or manage a small team.
- Affordable Protection – We compare options from top carriers to find coverage that fits your budget.
- Small Business Expertise – Because we only insure small businesses, we understand your challenges and build solutions that truly protect you.
What Factors Affect Dry Cleaner Insurance?
Dry cleaner insurance costs can vary, but generally, Gild Insurance customers’ policy coverages start at $250 annually.
Here are a few factors that influence dry cleaner insurance cost:
-
Location
-
Size of your operation
-
Revenue
-
Employee count
-
Equipment value
- Claims History
The best way to find dry cleaners insurance cost is to get a free, online quote in minutes!
How To Get Best Dry Cleaners Insurance?
At Gild, we focus exclusively on small businesses. That means every policy, recommendation, and conversation is tailored to the unique needs of business owners like you. Our goal is to make insurance simple, affordable, and effective so you can focus on growing your service business with confidence.
Get the best dry cleaners insurance with a hassle-free experience and receive your free, online quote in minutes.
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get the Best Dry Cleaners Insurance Today!
Your dry cleaners business is more than the services you provide. It is your livelihood and a trusted part of your clients’ daily lives. With Gild, you get more than a policy. You get a partner who understands service businesses and provides the tools and support you need to stay steady when the unexpected happens.
Frequently Asked Questions
Dry cleaners handle customer property, specialized machinery, and chemical processes. The core policies most businesses need are:
- General Liability – Covers third-party injuries or property damage, such as a slip-and-fall in your shop.
- Commercial Property Insurance – Protects your building, cleaning machines, and supplies from fire, theft, or storm damage.
- Workers’ Compensation – Required in most states if you employ staff; covers workplace injuries like burns, chemical exposure, or lifting accidents.
- Business Owner’s Policy (BOP) – A package that combines general liability and commercial property coverage, often with business interruption protection.
Does dry cleaning insurance cover customer items in your care or chemical risks?
Yes, with the right policies in place:
- Bailee Coverage protects customer clothing if it is damaged in cleaning, destroyed in a fire, or lost to theft.
- Pollution Liability provides protection if your use of solvents or chemicals results in contamination or health claims.
- Workers’ Compensation helps cover employee injuries related to solvent exposure, which OSHA highlights as a serious risk in this industry.
How much does dry cleaning insurance cost on average?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Is insurance required to operate a dry cleaning business, or mainly expected by clients or regulators?
- Workers’ compensation is legally required in most states if you have employees.
- Many landlords require liability insurance before renting space to dry cleaners.
- Because of the use of hazardous chemicals, some states and municipalities require environmental coverage to operate.
- Even where not mandated, clients expect proof of insurance to trust their garments with you.
- Carrying insurance not only protects your shop, employees, and customers—it also ensures compliance with safety and environmental regulations.
Let's Get The Best Insurance For Your Business!
Get Covered
