Laundromat Insurance in Massachusetts
Owning and operating a laundromat involves more than maintaining washers and dryers. From customer safety and property concerns to equipment breakdown and lost income, laundromat owners face a range of risks that can impact daily operations.
Laundromat insurance is designed to help protect your business, your equipment, and your income if an unexpected event disrupts operations.
At Risman Insurance Agencies, we work with laundromat owners across Massachusetts to help them understand their insurance options and build coverage that reflects how their business operates.
Common Risks Faced by Laundromat Owners
Laundromats are open to the public and rely heavily on specialized equipment. This creates exposures that go beyond basic business insurance.
Common considerations include:
-
Slip-and-fall injuries on wet floors
-
Damage to customer clothing
-
Fire, water damage, or vandalism
-
Equipment breakdown involving washers, dryers, or boilers
-
Temporary closure due to a covered loss
Understanding these risks is an important first step in reviewing appropriate insurance options.
Common Laundromat Insurance Coverage Options
Laundromat insurance is not a single policy. It is typically a combination of coverages structured around your property, equipment, and operations.
Coverage options may include:
General Liability Insurance
General liability insurance may help address certain third-party claims involving bodily injury or property damage that occur on your premises.
For laundromats, this can include customer injuries or damage caused by everyday operations, subject to policy terms and exclusions.
Commercial Property Insurance
Commercial property insurance may help protect the building you own or lease, along with business contents such as furniture, signage, and supplies.
Coverage needs vary depending on whether you own the property or operate in a leased space.
Equipment Breakdown Coverage
Because laundromats rely on mechanical and electrical equipment, equipment breakdown coverage is often reviewed as part of a laundromat insurance program.
This type of coverage may help address certain repair or replacement costs when covered equipment fails due to mechanical or electrical issues.
Business Income Coverage
Business income coverage (sometimes called business interruption insurance) may help address lost income and ongoing expenses if your laundromat must temporarily close due to a covered loss.
This coverage is often overlooked but can be an important consideration for businesses that rely on continuous daily operations.
Workers’ Compensation Insurance
Workers’ compensation insurance is required for most Massachusetts employers and may help support employees who are injured while performing job-related duties.
This coverage is separate from liability and property insurance and is based on payroll and job classifications.
Additional Coverage Considerations
Depending on your operation, you may also need to review:
-
Crime coverage for theft or vandalism
-
Coverage for tenant improvements or build-outs
-
Umbrella liability for additional limits
-
Coverage required by lenders or landlords
Each laundromat is different, which is why coverage should be reviewed holistically.
Why Average Business Insurance May Fall Short
Laundromats combine public access, mechanical equipment, utilities, and continuous operations. These factors can create gaps if coverage is not structured with your business model in mind.
Reviewing laundromat-specific insurance options can help reduce surprises if a claim occurs.
Why Laundromat Owners Work With Risman Insurance Agencies
Experience with small and specialized businesses
We understand the operational realities of laundromats and help business owners explore coverage options aligned with how their facilities are used.
Independent agency with multiple carriers
As an independent agency, we work with multiple insurance companies and help compare options rather than relying on a single solution.
Ongoing guidance as your business evolves
From coverage reviews to certificates of insurance and lender requirements, our team supports you as your business changes over time.
Request a Laundromat Insurance Review
If you own or operate a laundromat in Massachusetts, it may be worth reviewing your current insurance program.
Call: 781-396-2116
Request: Contact us online to start the conversation
Insurance coverage cannot be added, deleted, or changed until confirmed in writing from our office.
