Laundromat Insurance Made for Small Business Owners 
What types of insurance does a laundromat business need?
Explore Insurance for Laundromats with Tailored Coverage Options
Running a laundromat means managing valuable machines, customer property, and daily foot traffic, each carrying potential risk. With laundromat insurance, you’re protected against equipment damage, liability claims, and business interruptions. Whether you own one location or several, the right insurance for your laundromat helps keep your operation clean, safe, and secure.
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
Essential Laundromat Insurance Coverages
A laundromat business needs several types of laundromat insurance coverages to cover risks like property damage, on-the-job injuries, and client accidents.
Here’s a breakdown of the most important insurance policies every laundromat 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.
Do Laundromats Have Insurance?
Yes! Protect your laundromat business with insurance for laundromats designed specifically for small businesses like yours. The right coverage helps you protect your equipment, employees, and customers so you can stay focused on keeping your operations running smoothly.
Insurance for laundromat businesses 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 insurance for laundromat coverage options, 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 Laundromat Insurance Cost?
Laundromat insurance costs can vary, but generally, Gild Insurance customers’ policy coverages start at $250 annually.
Here are a few factors that influence laundromat insurance cost:
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Location
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Size of your operation
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Revenue
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Employee count
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Equipment value
- Claims History
The best way to find laundromat insurance cost is to get a free, online quote in minutes!
How To Get Best Laundromat 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 laundromat 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 Laundromat Insurance Today!
Your laundromat 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
Running a laundromat means relying on expensive machines, handling customer property, and operating in a public-facing space. Core coverages include:
- General Liability – Covers customer injuries such as slips on wet floors or property damage caused by malfunctioning equipment.
- Commercial Property Insurance – Protects your building, washers, dryers, and vending machines from fire, theft, or storms.
- Workers’ Compensation – Required in most states if you have employees; covers job-related injuries.
- Business Owner’s Policy (BOP) – Combines liability and property coverage, often including lost income protection if equipment failures or fires force you to close temporarily.
How much does laundromat 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.
Does insurance cover key risks like equipment breakdown, customer clothing loss, or fire?
Yes! With the right policies in place:
- Equipment Breakdown Coverage can help repair or replace washers and dryers that fail due to mechanical or electrical issues.
- Bailee Coverage can protect against claims if customer clothing is lost, stolen, or damaged while in your care.
- Commercial Property Insurance covers fire and other building-related risks.
Since laundromats depend on constant equipment uptime and customer trust, these protections are vital for business continuity.
Do laundromat operators need insurance to qualify for leases, permits, or contracts?
Yes! Even if not always mandated by law:
- Landlords often require proof of liability coverage before signing a lease.
- Municipalities may require insurance to issue permits for operating a public laundromat.
- Business partners, such as property managers or strip-mall owners, may demand certificates of insurance.
Having coverage protects your assets and opens the door to more stable, long-term operating agreements.
Let's Get The Best Insurance For Your Business!
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