Laundromat Insurance Coverage Checklist
The coverages a laundromat business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for self-service laundromats and wash-and-fold services. Priorities reflect typical exposure for this class; confirm against hours, commercial accounts, and delivery.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial Property & Business Income | Covers the building, machines, and fixtures, plus lost income after a dryer fire or other covered loss. | Core | |
| Equipment Breakdown | Covers sudden failure of washers, dryers, water heaters, and boilers — standard property excludes mechanical breakdown. | Core | |
| Commercial General Liability | Covers customer slips, falls, and injuries, including during unattended hours. | Core | |
| Bailee's Customer Coverage | Covers customers' laundry lost or damaged in wash-and-fold, which GL excludes. | Prevalent | |
| Crime / Money & Securities | Covers cash and coins stolen from machines, change machines, and the register. | Prevalent | |
| Hired & Non-Owned / Commercial Auto | Covers pickup and delivery, including in drivers' own cars. | Situational | |
| Sewer Backup / Water Damage | Covers backups and leaks, often excluded or capped. | Prevalent | |
| Workers' Compensation | Required in most states with employees. | Situational |
The coverage gap most often missed
The most commonly missed exposure for this class is fire from laundry itself. Lint buildup causes many dryer fires, but towels from restaurants, spas, and gyms carry a hidden risk: oil left in the fabric after washing can self-heat and ignite hours later, especially when warm loads are piled in carts or bags after closing. This has destroyed laundromats and commercial laundries. Commercial accounts, full cool-down cycles, and professional exhaust cleaning matter as much as the policy limit. Wash-and-fold also puts customers' property in your care, which general liability does not cover.
Send us the checklist and we'll review your laundromat coverage line by line, then market it across multiple carriers that compete for your account.
Related: Laundromat Insurance · Laundromat Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a laundromat business need?
The core coverages for a laundromat business are Commercial Property & Business Income, Equipment Breakdown, Commercial General Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my laundromat coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.