Insurance for Laundries
Commercial laundries may provide operations that use both dry or water applications with heavy-duty cleaners and detergents and are commonly employed by customers who provide uniforms for employees.
At Business Insurance Service, we understand not just the insurance industry, but the commercial sector too. Our brokers have years of experience and expertise in finding companies from across all disciplines the right kind of commercial insurance for businesses, giving both sole traders, SMEs, and large corporations the protection they need.
What Insurance does a Laundry need?
Other covers to consider could be Buildings, Business Interruption with Increased Expenditure, Computers, Employment Practices Liability, Environmental Impairment Liability, Excess of Loss/Difference in Cover Liability, Commercial Vehicle or Motor Fleet.
Crime exposure exists for both Employee Dishonesty and Money and Securities. Ordering and billing must be separate operations. All retail operations should have a monitoring and verification system in place to reconcile bills and receipts. Robbery potential is high; therefore, frequent deposits should be made, especially on high volume days.
Premises liability exposure is not of great concern if visitor or customer access is limited and controlled in the processing area. Retail receiving areas should have limited customer access. Nonetheless, the customer area should be in good condition and free from any tripping hazards. Off-site interaction between customers and employees should be established in a policy manual.
Commercial Vehicle / Motor Fleet
Motor liability may be high if a pickup and delivery service is provided. Age, training, experience, and records of the drivers, as well as the age, condition, and maintenance of the vehicles, are all important items to consider. Driving records must be checked on a regular basis.
Employers’ liability exposure is due to detergents, lifting and driving. Although detergents are not usually toxic, they also will have skin, eye, and lung irritants. What controls and personal protection are used?.
What other risks does a Laundry face?
Other exposure is from Goods Held in Trust. What tagging or marking, record keeping, or other procedures are in place to account for and keep track of the goods of others? How are goods transported?
Environmental Exposures: Dry Cleaning and Laundry Facilities
Identify common environmental exposures at dry cleaning and laundry facilities.
While the proper risk management practices can reduce certain exposures, no system is 100 per cent effective in ensuring an incident-free workplace. As a result, it’s all the more crucial to work with a qualified insurance broker to not only assess your exposures, but secure the appropriate cover as well. To learn more, contact Business Insurance Service today.
How can Business Insurance Service help Gyms?
We’re members of the British Insurance Brokers Association (BIBA) and work with some of the largest and best-known insurance providers in the UK, including Lloyds of London for larger, more complex and high-risk customers. We’re fully regulated and committed to delivering a premium quality, trustworthy and reliable service to all our customers, regardless of size.
As preferred brokers working with some of the largest insurance providers in the UK, we have immediate access to a huge range of policies for businesses, tradespeople and construction companies. We provide our customers with a bespoke or package service, creating insurance portfolios that are specifically tailored to your individual needs, and your budget.