Your dry cleaning and laundry business keeps Texas looking sharp. Whether you’re pressing suits or removing stubborn stains, your work matters – and so does protecting it. The right business insurance can help you handle the high costs of everything from dryer fires to employee injuries. We believe in your business and want to help you protect it, so here's a quick guide to the coverages most Texas dry cleaning businesses choose.
Dry cleaning and laundry services in Texas face unique risks that require customized insurance coverage.
A Business Owner’s Policy for dry cleaners 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 not required by Texas but recommended to cover employee injuries and lost wages.
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.
Here are five essential coverages every dry cleaning professional should consider to stay protected and profitable:
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:
DRY CLEANER PROPERTY INSURANCE Helps repair or replace your space and equipment if disaster strikes – like fire, theft, or vandalism. Example:
BUSINESS INTERRUPTION INSURANCE Replaces lost income if you need to temporarily close due to covered property damage.
Texas does not require private employers to carry workers’ compensation insurance, but if you opt out, you could be sued and found liable. If you do carry it, workers’ comp covers medical care and lost wages for employees injured on the job, which protects you from most employee lawsuits. Examples:
Covers the legal costs if a customer claims you gave them bad professional guidance. Example:
If you use online booking, store client data or offer digital gift cards, you’re at risk for cyberattacks. Cyber insurance for dry cleaners helps you recover from data breaches, pay regulatory fines and manage PR fallout. Examples:
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.
Every dry cleaning and laundry service is unique. We’re fans of your business and here to help you protect it. Mylo has been innovating insurance for ten years. We know how to connect people and businesses to the coverage they need. Because we don’t sell our own insurance, we can give you an objective recommendation.
At no charge to you, we will: