Laundromat Insurance for Owners and Operators
Start a Quote: enter the property address and leave your number, and we’ll call you back the same day.
Running a laundromat or coin laundry in New York, New Jersey, Pennsylvania, Connecticut, Ohio, Texas or Arizona? Many owners are finding it harder to get coverage. Some have been non-renewed, others have seen big premium increases at renewal. KB Insurance Brokerage is an independent, commercial-only broker. We can look at more than one market and help you present your laundromat clearly to underwriters.
Coverage We Can Help With
- Building / property – if you own the building, coverage for the structure
- Contents and equipment – washers, dryers, change machines, furniture and improvements
- Equipment breakdown – mechanical and electrical breakdown of machines and building systems, where available
- General liability – customer slip-and-fall and other premises claims
- Customers' garments (bailee coverage) – for customers' property in your care, such as wash-and-fold or drop-off orders
- Business income – lost income while you're closed after a covered loss
- Umbrella / excess liability – higher liability limits, often required by leases or lenders
Who It's For
- Laundromat and coin laundry owners and operators in NY, NJ, PA, CT, OH, TX and AZ
- Owners who received a non-renewal notice
- Owners whose premium jumped at renewal
- Buyers taking over an existing laundromat
Why Laundromats Are Hard to Place
Fewer insurance companies want to write laundromats today than in the past, and the market has become more restricted. In plain words:
- Fire risk – dryers run hot all day, and lint buildup can cause fires.
- Water – lots of machines and plumbing mean more chances for water damage.
- Slip-and-fall – wet floors and steady foot traffic lead to liability claims.
- Unattended hours – stores open without staff look riskier to some underwriters.
- Dry cleaning – on-site dry cleaning brings extra fire and chemical concerns.
We've placed many laundromats over the years, even as this market has become more restricted. We know what underwriters ask and how to present your store.
What We Need to Quote
Start by entering the property address. A quote usually needs:
- Property address
- Whether you own the building or lease the space
- Number of washers and dryers
- Hours of operation
- Attended or unattended (and during which hours)
- Dry cleaning on site: yes or no
- Years in business
- Current policy declarations and any non-renewal notice
- Loss history (usually the last 3–5 years)
Why Work With a Broker
Laundromats don't always fit neatly into one company's standard program. As an independent broker, we can look at more than one market, explain the trade-offs, and help present your business clearly.
Start a Quote: enter the property address and leave your number, and we’ll call you back the same day.
Prefer to call? 718-872-5525
FAQs
Do you only handle commercial insurance?
Yes. KB Insurance Brokerage works on commercial lines only. We don't write personal auto or homeowners policies.
My laundromat was non-renewed. Can you help?
We can review your situation and look at other available markets. Send us the non-renewal notice and your loss history to get started.
Does dry cleaning on site change my insurance?
It can. On-site dry cleaning often changes how underwriters view the risk. Let us know up front so we can look at the right options.
Is there coverage for customers' clothes?
Bailee coverage for customers' garments may be available. It's worth asking about if you offer drop-off or wash-and-fold.
Does being unattended affect my policy?
It can. Some underwriters treat unattended hours differently. Tell us your hours and staffing so we can review options.
Start a Quote
Start a Quote: enter the property address and leave your number, and we’ll call you back the same day.