Specialized Laundromat Insurance Program from Bailey Special Risks
Bailey Special Risks, Inc. (BSR) offers a tailored insurance program designed specifically for laundromats and related service businesses. Whether your client operates a 24-hour unattended laundry facility or a fully staffed location that offers additional services, this program is built to address the unique operational and liability exposures of the laundromat industry.
Ideal Accounts and Target Classes
This program is ideal for independent insurance agents and brokers looking to place coverage for:
- Traditional laundromats (attended or unattended)
- Laundromats offering dry cleaning or wash-and-fold services
- Facilities with tailoring, shoe repair, or video rental services
- Locations that include convenience store elements or private mailbox rental
The program welcomes businesses that are open 24/7, as well as standard operating hour models. Mixed-use facilities that combine laundry services with other small-scale retail operations are also eligible, provided they fall within underwriting guidelines.
Coverage Highlights and Advantages
Through BSR’s partnership with United States Liability Insurance Group, this program offers flexible solutions and competitive coverage for general liability, property, and other key exposures common to laundromat operations. The program is non-admitted and designed to accommodate a wide range of business models under one policy package.
Key coverage features may include:
- Property and equipment coverage, including washers and dryers
- General liability for customer slip-and-fall or injury incidents
- Optional endorsements for additional services offered on-site
Underwriting Approach and Submission Tips
BSR makes quoting easy for agents with qualifying risks. If your submission meets the "HIT ZONE" eligibility criteria, you can expect a quote every time. The program is ideal for clean risks with good maintenance practices and a clear business model.
Example: You might have a client who operates a 24-hour unattended laundromat with card-operated machines and on-site video surveillance. Or perhaps a small neighborhood laundromat that also provides tailoring and dry-cleaning drop-off services. These types of risks are often an excellent fit for this program.
Available States
This program is available to licensed agents and brokers in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, and WY.
Why Work With Bailey Special Risks?
As a wholesale broker with decades of experience in niche programs, Bailey Special Risks understands the unique challenges of placing laundromat business. With direct access to specialized carriers like United States Liability Insurance Group and a commitment to responsive service, BSR helps agents find stable and competitive solutions for small business clients with complex needs.