Dry Cleaner Insurance Program

Overview of the Program From CLG

As a program administrator with deep expertise in the dry cleaning sector, CLG has created a focused insurance solution that addresses the specific exposures dry cleaners face. The program is issued on admitted paper with an A+ rated carrier and is endorsed by the National Cleaners Association. We can handle single-location shops as well as multi-unit operators, helping you provide broad, tailored protection efficiently.

Ideal Accounts and Appetite

This program is intended for retail dry cleaning operations, including those that offer garment pressing, alterations, delivery and related services. We have particular appetite for accounts that:

• Handle customer garments on premises or in transit
• Operate steam equipment and boilers that require inspection and maintenance
• Generate premium levels above $10,000 for certain lines (see underwriting notes)
• Are located in any of the 48 contiguous states and the District of Columbia where the program is available

We also place Workers’ Compensation through State Auto for qualifying accounts.

Coverage Highlights and Advantages

CLG’s Dry Cleaner Insurance Program includes features designed for the real-world risks dry cleaners face. Key program highlights:

• Unlimited Bailees Coverage — No per-garment limit while items are on the insured’s premises or during transit.
• Sub-limits Included — Coverage for Mysterious Disappearance and Work in Process.
• Replacement Cost — Provided regardless of garment age.
• Equipment Breakdown — Includes boiler inspection provisions and coverage for mechanical breakdowns.
• Business Income — Offered on an Actual Loss Sustained basis to address interruption exposures.
• Admitted Paper — Backed by an A+ rated admitted carrier for primary lines.

Underwriting Notes and Minimum Premiums

To help us deliver timely, accurate quotes, include the following with your submission:

• A completed ACORD application or our Dry Cleaner Program Supplemental Application
• Loss runs for accounts expected to exceed $10,000 in premium or when Workers’ Compensation is requested
• Target premium information for each line of business, if available

Minimum premiums vary by line and risk characteristics. Typical turnaround for complete submissions is two business days.

Territories and Availability

The program is available in the 48 contiguous states plus the District of Columbia, including key markets such as California, Florida, New York and Texas. Whether a client operates in a small town or a large metro area, we can likely offer a solution that fits.

Why Work With CLG on Dry Cleaner Accounts

CLG is a niche program administrator focused on dry cleaning risks. Our strengths include:

• Specialized underwriting and claims expertise developed over 20+ years in the dry cleaning space
• Access to carrier customer service resources for your insureds
• Competitive commission opportunities across multiple lines
• Streamlined quoting and responsive service for producers

Example scenarios where this program fits well: you may have a client with three dry cleaning locations seeking to consolidate coverage and add equipment breakdown and business income protections; or a single-store operator that needs unlimited bailee coverage and transit protection for delivery services. In both cases CLG’s program provides admitted paper and industry-specific terms that meet those needs.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.