Your dry cleaning and laundry service keeps Pennsylvania looking sharp. Unfortunately, one surprise expense (damage to an expensive suit or a fire from an overheated dryer) can put your whole company at risk. We believe in your business and want you to have affordable insurance that meets state requirements and protects your property, team and income. This guide breaks down:

Pennsylvania's required coverages
The most recommended protections
Ways to save money on business insurance
How to compare fast quotes from top-rated insurance carriers

SHORT SUMMARY (because we know you have a lot going on!)

Dry cleaning and laundry services in Pennsylvania face specific risks that require customized insurance coverage.
A Business Owner’s Policy for dry cleaners can save you money by bundling general liability, property insurance and optional business interruption coverage.
General liability insurance covers injuries and damages caused by your business, as well as advertising-related claims.
Dry cleaner property insurance helps replace or repair damaged equipment, furnishings and inventory.
Workers’ compensation for dry cleaners is required by Pennsylvania if you have employees.
Professional liability for dry cleaners and laundries protects against claims of negligence when you provide professional guidance.
Cyber insurance for dry cleaning and laundry service businesses covers data breaches, including regulatory fines and digital recovery costs.
Commercial umbrella insurance for dry cleaning and laundry services provides extra coverage when other key policies reach their limits.
Working with Mylo can help you find the right coverage at the best value.

FIVE BEST COVERAGES FOR PENNSYLVANIA DRY CLEANING AND LAUNDRY SERVICES:

Here are five essential coverages every dry cleaning professional should consider to stay protected and profitable:

1. Business Owner's Policy for dry cleaners

A business owner’s policy (BOP) is a smart starting point for laundry businesses. It bundles key coverages into one affordable package. Your BOP typically includes:

GENERAL LIABILITY FOR DRY CLEANERS Covers legal and medical costs if a customer or visitor is injured – or their property is damaged – while they're in your space. It also protects you from advertising-related claims. Examples:

A customer slips on a wet floor and breaks their wrist
An expensive dress is damaged during cleaning and your customer sues
A competitor accuses you of copying their logo or slogan

DRY CLEANER PROPERTY INSURANCE Helps repair or replace your space and equipment if disaster strikes – like fire, theft, or vandalism. Examples:

A dryer overheats and causes a fire
A break-in results in stolen cash and equipment
A storm damages your storefront and signage

BUSINESS INTERRUPTION INSURANCE Replaces lost income if you need to temporarily close due to covered property damage.

Ready to get your free quote now and see how much you can save on this and other coverages you may need? CLICK HERE

2. Workers' compensation for dry cleaner employees (required in Pennsylvania)

Pennsylvania requires you to carry Workers' comp if you have employees. It covers medical care and lost wages for employees injured on the job, which protects you from most employee lawsuits. Examples:

An employee is burned by a steam press
A staff member slips while handling wet laundry
A delivery driver is injured in a vehicle accident

3. Professional liability for dry cleaners and laundries

Covers the legal costs if a customer claims you gave them bad professional guidance. Example:

You advise a customer that it's safe to dry clean their tailored wool suit, but the heat actually ruins it.

4. Commercial auto insurance for dry cleaning businesses (required in Pennsylvania)

If your dry cleaning company uses vehicles for pick-up, delivery or other business purposes, almost all states require you to carry commercial auto insurance.

Covers injuries or damage your vehicles cause to others
Optional physical damage coverage for your own vehicles

5. Commercial umbrella insurance for dry cleaners

Think of this as insurance for your insurance! A commercial umbrella insurance policy provides extra protection when other key policies such as your general liability reach their limits, which helps you protect your company's financial assets.

THE BEST INSURANCE FOR PENNSYLVANIA DRY CLEANING BUSINESS OWNERS

Your amazing company deserves protection that keeps up with your business. Mylo has been innovating insurance for 10 years and provided 75,000+ small business owners with 100,000+ policies. Because we don't sell our own insurance, we can give you an objective recommendation and find you the best value in Pennsylvania – at no cost to you.

In minutes Mylo will:

Recommend the right coverage for your dry cleaning business
Compare quotes from top-rated insurance carriers
Find you the best combination of coverage and price in Pennsylvania
Keep you feeling confident about growing your business!

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PENNSYLVANIA DRY CLEANING INSURANCE FAQs

What dry cleaning and laundry insurance is required by Pennsylvania?

Pennsylvania requires WORKERS' COMPENSATION if you have employees and COMMERCIAL AUTO for any vehicle you own or operate for business. Pennsylvania doesn’t require GENERAL LIABILITY, but many of your contracts with landlords, partners and vendors will.

How do I get a Certificate of Insurance (COI)?

A CERTIFICATE OF INSURANCE provides proof to your clients that they can do business with you and not be on the hook financially if something goes wrong. Once Mylo has helped you purchase a policy, you can request a free certificate of insurance (COI) directly from your new carrier. Contact information for your insurance carrier will be included in the email your Mylo agent sends out with your policy documents.

What are some ways I can save money on insurance?

You may be able to bundle your most essential coverages (GENERAL LIABILITY, PROPERTY and BUSINESS INTERRUPTION) in a money-saving BUSINESS OWNER'S POLICY. In addition, Mylo makes it easy to compare the best quotes from multiple top-rated carriers so you can find the right coverage at the best value.

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