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Behind every smooth spin cycle is a laundromat owner dealing with real risks—and one emergency can bring the whole business to a stop. Some types of coverage, like workers’ comp, may be required by law depending on your state.
Others, like flood insurance or equipment breakdown protection, aren’t part of basic laundromat owner insurance requirements—but skipping them could cost you everything in a crisis. That’s why laundry business insurance needs to be tailored to the real risks laundromat owners face every day—from broken machines to customer injuries.
That’s why understanding laundromat insurance isn’t optional. It’s essential.
Why Insurance for Laundromats Is Different
Laundromats face a unique set of risks. You might have unattended operations, heavy foot traffic, water and heat-producing equipment, and potentially lots of cash. Standard business insurance doesn’t always cut it.
Traditional policies often misclassify laundromats, exclude water damage, or don’t offer enough protection for customer injuries or equipment breakdowns. The result? Owners are either overpaying or dangerously underinsured.
Getting the right commercial laundromat coverage means working with a provider who understands your day-to-day risks—not just treating you like any other small business.
Essential Insurance Coverage for Laundromat Owners
Below, we break down the most essential business insurance for laundromats so you know exactly what coverage to look for.
1. General Liability Insurance
Liability coverage for laundry businesses helps protect you if someone gets hurt while using your machines or walking through your shop. This is the first kind of insurance most businesses get. General liability also covers customer injury liability—like if someone slips, trips, or gets hurt using your machines. It covers lawyer fees, medical bills, and any money you owe them.
2. Property Contents Insurance
Commercial property insurance for laundromats helps cover your washers, dryers, folding tables, payment kiosks, vending machines, and other physical assets from fire, theft, or weather damage.
Pro tip: Machines lose value over time—see if your plan helps to replace them, not just refund what they’re worth today.
3. Business Interruption Insurance
Business interruption insurance helps keep money coming in when your shop has to close for repairs, permits, or power issues.
4. Workers' Compensation Insurance
If you have employees—even part-timers—you likely need workers’ comp. Most states require it by law. It helps if someone gets hurt while working. Even light work can lead to injuries. Repeating the same motion or working around water makes slips and strains more likely.
5. Business Owner's Policy (BOP)
Think of this as an insurance bundle. A BOP covers the basics—your space and your liability—and does it all in one neat plan that’s usually more affordable.
Additional Critical Insurance Types for Laundromats
Commercial Auto Insurance
Offer pickup and delivery? If you or your team use a car for work, you’ll need commercial auto insurance to stay protected. Personal policies won’t cover you.
Umbrella Insurance
This coverage helps when your main insurance runs out. It gives extra protection for big accidents or lawsuits.
Flood Insurance
Regular insurance won’t cover flood damage. Commercial flood insurance is a must if your laundromat is near the coast or in a flood-prone area.
Pro tip: Standard flood insurance policies often leave out water damage caused by plumbing leaks or burst pipes, so be sure to ask about water damage insurance for laundromats when reviewing your coverage.
Equipment Breakdown Coverage
Equipment breakdown insurance helps pay for repairs or replacements when your machines stop working—not just from disasters, but from things like power surges or mechanical issues.
Smart Risk Management Strategies
Laundromat risk management isn’t just about safety—it can also save you money on your insurance premium. Insurance companies often give lower rates to laundromats that stay on top of safety and upkeep.
These simple habits will help you mitigate risk:
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Vent Cleaning: Have your dryer vents professionally cleaned every 1–2 years to reduce fire risk.
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Cameras: Install security systems with footage retention to deter theft and document incidents.
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Routine Maintenance: Keep a detailed log of when machines—especially dryers and washers—are cleaned, fixed, or serviced by a professional.
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Employee Training: Make sure staff know how to handle spills, power shutoffs, customer disputes, and accidents.
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Proper Signage: Use wet floor signs and caution tape to minimize slip-and-fall claims.
These habits show insurance companies that your laundromat is safe, proactive, and low-risk—and they just might help you save money on your premiums.
Why Choose Cents Insurance?
Here’s the problem with most insurance companies: they don’t get laundromats. Cents Insurance was created to help close those gaps. It’s coverage built for laundromat owners, by people who understand what you’re up against every day—so you’re not stuck paying for extras you don’t need or left without protection when it counts.
Cents Insurance is powered by Authentic and built to work the way you do. It’s fully embedded in the Cents platform, so you can manage your policy, file claims, and handle renewals right from your dashboard. No additional portals. No confusing fine print.
You get fast quotes, flexible monthly billing, and protection that actually fits your business. From slip-and-fall coverage to machine damage and flood protection, it’s all there.
Cents Insurance was built for laundromats—including self-service laundry insurance options that cover everything from slip-and-fall claims to equipment failure.
Powered by Authentic and embedded directly into your Cents Business Manager, it offers:
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Tailored Coverage: Your rates are based on actual risk, not generic assumptions.
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All-in-One Management: Handle policies, claims, and renewals from your Cents dashboard.
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Fast Claims Processing: Most claims handled within 48 hours.
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Flexible Payment Options: Monthly billing, no cancellation fees.
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Pro-Rated Transition Support: Cancel your old policy and we’ll handle the switch.
Cents Insurance offers:
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General Liability Insurance: Protects against customer injuries, property damage, and legal disputes.
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Property Contents Insurance: Protects physical assets from theft, fire, vandalism, and weather-related events.
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Business Owner's Policy (BOP) Insurance: Combines General Liability and Property Insurance into a single package.
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Workers' Compensation Insurance: Covers employees for work-related injuries or illnesses.
Plus, you can add optional protection for flood, employment liability, and more.
Final Spin: Don’t Get Caught Without Coverage
Whether you run a large operation or just one location, small business insurance for laundromats helps protect what you’ve built. Every laundromat is unique, but all of them need good insurance—it’s just too risky to go without it.
With Cents Insurance, you’ll get the coverage you need and the support to help your business stay strong—no matter what happens.
Ready to protect your laundromat? Get a free quote from Cents Insurance today and discover how easy it is to get laundry-first coverage that actually fits your business.
