Is insurance required to operate a dry cleaning business, or mainly expected by clients or regulators?  

  • Workers’ compensation is legally required in most states if you have employees. 
  • Many landlords require liability insurance before renting space to dry cleaners. 
  • Because of the use of hazardous chemicals, some states and municipalities require environmental coverage to operate. 
  • Even where not mandated, clients expect proof of insurance to trust their garments with you. 
  • Carrying insurance not only protects your shop, employees, and customers—it also ensures compliance with safety and environmental regulations. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.