Dry cleaners handle customer property, specialized machinery, and chemical processes. The core policies most businesses need are:
- General Liability – Covers third-party injuries or property damage, such as a slip-and-fall in your shop.
- Commercial Property Insurance – Protects your building, cleaning machines, and supplies from fire, theft, or storm damage.
- Workers’ Compensation – Required in most states if you employ staff; covers workplace injuries like burns, chemical exposure, or lifting accidents.
- Business Owner’s Policy (BOP) – A package that combines general liability and commercial property coverage, often with business interruption protection.
