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Dry Cleaners Insurance

As you handle chemicals on a daily basis, accidents can be severe. Our experienced advisers arrange flexible insurance policies to keep you and your business safe.

We’re passionate about helping businesses like Status Dry Cleaners in Padiham, Lancashire (pictured above) protect their shops. The policies we place can cover your physical assets, legal liabilities, protect your income, and in most cases we can also give you the option of adding additional covers such as equipment breakdown and legal expenses.

Most of our policies offer cover for risks that some brokers may consider to be “non-standard” such as:

  • Premises with flat roofs.
  • Risks with high sums insured.
  • Start-up businesses.
  • Proposals that have had large claims (including fire or flood).

 Please note we are unable to offer quotations to businesses located in Northern Ireland.

You Could Save Over 15% With Us*

Mon-Fri: 8am - 6pm

Call our team to receive a no obligation, instant quote today.

Quote line: 0330 134 4564

Standard Covers**

  • Contents insurance

  • Accidental damage

  • Glass

  • Business interruption

  • Employers' liability

  • Public and products liability

  • Book debts/account receivable

  • Money in safe

  • Money on premises

Optional Covers**

  • Legal expenses

  • Subsidence

  • Loss of rent receivable

  • Tenants improvements

  • Terrorism

  • Embedded breakdown

  • Goods in transit

  • Buildings cover

Premiums from as little as £189.88

In the past 12 months our customers have paid as little as £189.88*** per annum for dry cleaners insurance.

54%**** of our dry cleaner customers paid less than £650 per annum in the past 12 months.

Why Insurance is Important for Dry Cleaners

When you work within the dry cleaning industry, you are dealing with the customer’s personal possessions and are entrusted to look after them, and ensure they are clean as they can be when they are returned.

However, due to the nature of the techniques and equipment used on a daily basis, there is the potential threat that some damage or loss may occur. In these circumstances, it is important to have the right level of business insurance cover.

The type of insurances that dry cleaners have in place may include cover for accidental damage, public and products liability, and goods in trust.

So whether you own multiple stores or one single outlet, speak to an expert about what type of cover you need to make sure that you are properly protected.

About the Dry Cleaning Industry

Many of us have probably had that moment when we have bought or desired an item of clothing only to find out that we can’t wash it at home in the washing machine.

When this happens, many of us follow the “washing” instructions on the clothing labels and visit a specialist dry cleaner instead.

Dry cleaners come in a variety of types and sizes, some are family run high street stores trading for generations, whilst others are small retail outlets, corporately run and owned, and situated within shopping centres or supermarkets.

Whichever size or type of shop you own or manage, running a dry cleaning outlet means that you need to have specialist knowledge of the different techniques and equipment used to clean the clothes without damage, and be properly protected should anything go wrong.


Terms and Conditions
* We randomly surveyed 88 policyholders (3.84%) who obtained cover through us between December 2017 and June 2018. 97% made a financial saving by moving to smei, with an average saving of 23.97%. This data excludes commercial and residential insurance for landlords.

** Optional cover may differ dependent upon insurer.

*** Data compared from 37 policies sold between January 2016 and January 2017.

**** Based on 37 policies sold between January 2016 and January 2017, 19 customers paid less than £650.


smei acts as a broker and we are not tied to a particular insurer. We give our customers the ability to search and compare products from a number of UK insurers, so you can choose the right product for you and your business, at the right price. To offer you these insurance options, we use the strength of our market position and our close relationships with the insurers to negotiate the best possible cover and prices we can for our clients.


You will need to contact the claims department on 0330 134 4606 or email


We will always do our utmost to beat your current price or other genuine like-for-like quotes you have been offered. We will offer you a quotation and policy best suited for your needs.


We set out to find a group of businesses who embodied everything we love about our local high street. Following our search, we picked a group who know exactly what it means to run a small independent business. Status Dry Cleaners in Padiham, Lancashire is one of our high street heroes.

You Could Save Over 15% With Us*

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Call our team to receive a no obligation, instant quote today.

Call the quote line: 0330 134 4564

Mon-Fri: 8am - 6pm

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Customer Testimonials
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We have saved £££s by switching our insurance to smei. Really easy to approach and always willing to answer queries without making you feel as though you are bothering them. We have been recommending smei to all my business colleagues.

Mrs Susan & Mr Ronald Firth

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