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Dry Cleaner Insurance

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Dry cleaning cover

Dry cleaners insurance NZ

Dry Cleaner insurance is a specialized package designed to meet the unique needs of dry cleaning businesses. It bundles various types of insurance coverage that are crucial for protecting against the specific risks associated with dry cleaning operations. These can include coverage for damage to customer garments, equipment breakdown, business interruption, and liability claims.

Why is dry cleaners insurance important? 

The dry cleaning process involves the use of chemicals, heavy machinery, and handling customers’ valuable items. This can lead to several potential risks, including:

  • Chemical Accidents: Spills or leaks can cause property damage or injury to employees and customers.
  • Equipment Breakdown or Damage: Dry cleaning equipment is expensive and essential for operations. A breakdown or accidental damage can halt business activities, leading to income loss.
  • Garment Damage or Loss: Mistakes or accidents can result in damage or loss of customers’ clothing, which can lead to compensation claims.
 

In New Zealand, the average cost of dry cleaners insurance typically ranges between $200 – $400 per month. 

What covers are typically included in dry cleaners insurance? 

Public Liability

This policy covers common dry cleaners business risks including bodily injuries, customer property damage, and advertising injuries. It’s required for most commercial leases.

Best For
  • Business Accident Coverage
  • Third-party Damages
  • Legal Cost Protection

Statutory Liability

This cover is a type of protection that helps dry cleaning businesses cover costs if they accidentally break certain laws or regulations.

Best For
  • Unintentional breaches protection
  • Legal costs
  • Fines and penalties

Business Vehicle Insurance

Protects vehicles used for work purposes. It covers accidents, damages, and injuries related to the vehicle while it’s being used for business and personal activities.  

Best For
  • Repair costs
  • Third party damages
  • Injuries 

Asset Insurance

Safeguards your dry cleaning equipment against unexpected events, like burglary or accidental damage, ensuring you won’t have to bear the financial burden of replacing them.

Best For
  • Burglary protection 
  • Accidental damage protection
  • Anywhere in New Zealand cover

Loss of use

Coverage that helps when your vehicle is unusable due to an accident. It covers the cost of a temporary replacement vehicle, so you can still get around while your car is being repaired.

 

Best For
  • Temporary vehicle
  • Reimbursement expenses
  • Accident downtime

Employers Liability

This insurance helps protect dry cleaning businesses from financial losses if an employee suffers injuries or illnesses at work.

Best For
  • Workplace injuries
  • Legal expenses
  • Compensation payments

How much does dry cleaning cover cost?

Dry cleaners insurance premiums are calculated on several different factors including:

  • Types of cover
  • Turnover
  • Location 
  • Claims History 

Dry cleaning business insurance in NZ typically costs between $200 to $400 per month

Who needs dry cleaning cover?

Any business that offers dry cleaning or laundry services, regardless of its size, should consider Dry Cleaner insurance. This includes standalone dry cleaners, laundry services that offer dry cleaning, and even those offering repair or alteration services alongside cleaning.

Dry Cleaner insurance covers a range of scenarios, including damage to customer garments, equipment breakdown, business interruption, and liability claims for injuries or damage caused by the services provided.

Yes, Dry Cleaner insurance packages can be customized to fit the specific needs of your business. Coverage amounts and types can be adjusted to ensure you’re only paying for what you need.

How do I get proof of dry cleaning business insurance

You can usually get proof of insurance same day when you purchase insurance through Gerrards.

Acquiring a dry cleaners insurance certificate from traditional insurance brokers may require a few weeks, a delay that could create problems for policyholders who need instant insurance proof for an imminent contract or lease.

To obtain insurance coverage promptly, contact one of our dry cleaners insurance brokers. We may require you to provide some fundamental details about your business, such as:

  • The name of your business 
  • The total number of employees
  • Predicted annual income
  • Years of experience in the industry

What does dry cleaners insurance not cover?

Intentional Damage

Damage caused on purpose by the business owner or employees.

Wear and Tear

Gradual deterioration of equipment over time.

Quality Control Issues

Losses related to customer dissatisfaction with cleaning quality.

Other common questions about dry cleaning cover

Yes, coverage can be included for theft by employees, under a fidelity or crime insurance policy.

Yes, garment damage insurance includes coverage for items lost or misplaced while in your care.

Insurance packages can be customized for laundry services, focusing on the specific risks of laundry operations.

Yes, most policies have deductibles that vary depending on the coverage and insurer.

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