.png?width=2196&height=2196&name=OS%20(1).png)
.svg)
-3.png?width=224&height=213&name=Accelerate%20(2)-3.png)
Running a laundromat means juggling machines, customers, staff, and cash flow, and your insurance needs to keep pace with all of it. Before you roll into the new year, take a few minutes to make sure your policy is still protecting the business you’ve built.
Coverage & Property Protection
-
Are my coverage limits still adequate?
Replacement costs have risen—make sure your policy reflects what it would actually cost to rebuild or replace equipment today. -
Did I add or upgrade any equipment this year?
New washers, dryers, POS systems, or vending machines need to be listed on your policy. -
Do I have the right type of property coverage?
Are you covered for replacement value or actual cash value? There’s a big difference. -
Is my building coverage separate from my equipment coverage?
If you lease your space, make sure the landlord’s policy doesn’t leave you exposed. -
Have I reviewed my utility-related risks?
Water damage, electrical fires, and surges are among the top laundromat claims—check if you’re covered.
Liability & Safety
-
Have I had any near-misses or small incidents this year?
Even if you didn’t file a claim, small accidents can point to gaps in your liability coverage. -
Are my customers and employees protected if someone gets hurt?
Review your general liability and workers’ comp coverage for accuracy. -
Did I make any changes to my store layout or security systems?
Cameras, new doors, or layout changes can alter your risk profile and sometimes lower your premiums. -
Is my signage, safety, and maintenance plan up to standard?
Insurers like to see preventative action—it can help lower risk and rates. -
Do I have cyber or data protection coverage?
If you accept mobile payments or store customer data, cyber coverage is increasingly critical.
Business Interruption & Financial Protection
-
Is my business interruption coverage based on my current revenue?
If your income’s gone up (or down), your payout limits should match reality. -
Do I have coverage for equipment breakdowns?
Property coverage often doesn’t include mechanical failure—you may need a separate endorsement. -
Would I still get paid if a utility outage shut me down?
Some policies include “service interruption coverage,” but not all—verify yours. -
What’s my deductible—and could I actually afford it tomorrow?
Make sure your deductible matches your cash reserves or emergency fund. -
Am I paying for coverage I don’t need?
If you discontinued routes, changed operating hours, or dropped delivery vehicles, you might be overinsured in some areas.
Bonus: Growth & Planning
-
Has my business strategy changed this year?
Expansion, new services, or a second location can change everything about your coverage needs. -
Did I start or expand pickup & delivery?
Route liability, vehicle coverage, and driver policies all need to be reviewed. -
Have I documented all my assets and serial numbers?
It makes claims faster, easier, and more accurate. -
Do I have flood or sewer backup protection?
These are not standard coverages—but they’re high risk for laundromats. -
Do I understand what my policy excludes?
The fine print matters. Know what’s not covered so you can plan accordingly.
Turn Your Review Into ROI
An annual insurance audit doesn’t just protect your assets—it can actually save you money. Use this blog as a checklist to prep for a 15-minute policy review call with your insurer or broker.
Want to make sure your laundromat’s covered for 2026?
Talk to an insurance specialist who knows the laundry business. Get a free quote from Cents Insurance and discover coverage built specifically for laundromats, backed by specialists who speak your language.
.jpg?width=400&height=200&name=Blog%20Banner%20Resizing%20(6).jpg)