Why Do You Need Dry Cleaner Insurance or Laundrette Insurance?
Dry cleaners' insurance protects your business against the unique challenges it faces on a daily basis. If an accident happens to your employees, customers, or their belongings, you could be liable.
Insurance protects your business in the event of an unexpected incident – it could be an accident, flood, or intentional malicious damage.
So whether you own multiple stores or just one single outlet, speak to an expert about the type of cover you need and we’ll arrange laundrette insurance that’s a perfect fit for your business.
You Could Save Over 20%*
Contact our team to receive a no obligation, instant quote today.
In the past 12 months our customers have paid as little as £748.70 per annum for launderette insurance.
50% of our launderette customers paid less than £1,250.00 per annum.***
What Does Our Dry Cleaners and Laundrette Insurance Policy Cover?
As standard, our dry cleaners and laundrette insurance includes the most important covers which include the following:
Public Liability Cover
Public liability insurance protects your dry cleaners or launderette if a member of the public is injured, or their property is damaged because of your business. This is a particularly important cover as you deal with the public’s property on a daily basis.
Buildings and Contents Cover
Building and contents insurance protects the bricks and mortar of your shop as well as all the equipment inside too.
Employers' Liability Cover
If you have employees working for you, you need to have employers liability insurance by law. This protects you if your employees become injured or ill as a result of working for you.
What Are Our Laundrette Insurance Policy Options?
Our dry cleaners insurance and laundrette insurance policy options include both standard and optional covers. We can also help tailor your insurance policy to cover exactly what you need it to.
* Please click here to view our pricing disclaimer.
** Standard and optional cover may differ dependent upon insurer.
***Data compared from 13 policies sold in 2021. 2 customers paid as little as £748.70
Frequently asked questions
As a business providing food to the public, you'll be adhering to the relevant health and safety and food production measures, but things can still go wrong. You need home baking public liability insurance to cover you if, for example, someone has an allergic reaction to your food and they make a claim against you. Public liability insurance isn't a legal requirement, but it can cover the costs of any compensation due and legal fees associated with claims.
As you constantly have members of the public filtering in and out of your supermarket, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or their property is damaged as a result of you or your employee's negligence. If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you. Stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. It can also be increased around key dates when you would carry goods that are more expensive than usual, like at Christmas for example.
Some types of insurance may be a legal requirement. Others will protect you and your supermarket in the event of a claim but are not compulsory. Not having the right insurance or inappropriate cover for your supermarket could be a false economy. For example, if you don't have public liability insurance and a customer trips over a box left on the floor you may be liable to pay costs of compensation. Therefore, it's important to consider all the risks facing your supermarket and match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business.
Some types of insurance may be a legal requirement. Others will protect you and your charity shop in the event of a claim but are not compulsory. Your charity will likely to be interacting with members of the public on a daily basis, which means there's a risk of your charity's activities causing injury, illness or property damage to a third party. If an unexpected situation occurs, then you could be held liable for the damage, and financially responsible for legal fees and compensation. Public liability insurance for charities could cover you in this situation.
Different types of charity shops have varying needs of protection. For example, your charity shop may sell everything from clothing and books, to electrical items such as televisions and sound systems, or you may need cover for fundraising events and activities. The policies that you include in your charity's insurance package may be influenced by a number of factors, including the size and nature of your charity, and the work it carries out. Why not speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs.
If you have employees, by law you need employers liability insurance. This protects you if an employee becomes injured or seriously ill as a result of working for you.
As you have members of the public filtering in and out of your charity shop, pubic liability insurance is essential. This cover will protect you if a shopper has an accident or stock is damaged as a result of you or your employee's negligence. For charity shops, stock insurance should be a high priority. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing.
Some types of insurance may be a legal requirement. Others will protect you and your bike shop in the event of a claim but are not compulsory. Not having the right insurance for your bike shop could be a false economy. For example, if you don't have public liability insurance and a customer trips over equipment or boxes on the floor you may be liable to pay costs of compensation. Therefore, it makes sense to match your insurance protection to your requirements which should provide you with peace of mind that a potential claim won't damage your business.
Each bike shop has varying needs of protection depending on a number of factors. Your bike shop may have a complex range of bicycles ranging from road and cyclocross bikes to mountain and hybrid bikes. Why not speak to one of our advisers and let them know your requirements, and we'll look for a policy that best suits your needs.
For bike shops, stock insurance should be a high priority, especially given the value of the products you are selling. Without your stock, you wouldn't be able to run your business. This type of cover protects you if your stock is damaged or stolen and needs replacing. It can also be increased around busier seasonal periods when you may offer bikes and equipment that are more expensive or exclusive.
Wouldn’t go anywhere else! I have used smei for many years. I always get reminded when it’s that time again. I have always found them to be very helpful and they do try to get you the best deal.
Morag Ross
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