Drycleaners

Ideal Accounts and Appetite

• Single-location and small multi-location drycleaners and neighborhood pickup/drop shops.
• Owner-occupied operations with on-site pressing, delivery, and customer garment handling.
• Accounts that need a packaged Business Owners Policy (BOP) with property, general liability and optional coverages for pollution and equipment failure.
• Less appetite for accounts with ongoing large environmental violations, repeated severe fire losses, or complex multi-state corporate structures — contact EPIC for borderline risks.

Coverage Highlights and Advantages

• BOP concept — property and general liability packaged for simpler placement.
• No coinsurance and replacement cost valuation on eligible property.
• Property coverage for building or contents, plus business income.
• Equipment breakdown coverage included.
• Customer’s property in the insured’s custody covered.
• General liability limits typically available to $1,000,000 per occurrence / $2,000,000 aggregate.
• Tenant legal liability available up to $300,000 with options to increase up to $1,000,000.
• Premises medical payments with $10,000 per person.
• Non-owned and hired auto coverage included where exposures exist.
• Pollution liability available for solvent exposures and cleanup risks.
• Workers’ compensation available where required.

Underwriting Notes and Typical Submission Requirements

EPIC underwriters focus on operational controls and mitigation for fire, equipment failure, and pollution exposure. Typical information requested with a submission:

• Completed application and description of operations (cleaning method, solvents used, number of presses/boilers).
• Current loss runs (5 years preferred) and any claims explanation.
• Photos of the premises, exterior and equipment areas, and storage/ventilation systems.
• Details on fire protection (sprinklers, alarms), maintenance programs and employee training.
• Payroll and employee classifications (for Workers’ Compensation) and vehicle exposure details for hired/non-owned auto.
• If tenant, copy of lease and any contractual liability details.

EPIC is able to deliver quick responses on well-documented submissions. For accounts with solvent handling or historic contamination concerns, include environmental controls and any remediation records up front.

Territories and Availability

Program availability: All Available States (admitted/placement per state requirements). The program is currently offered in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.

Why Place Drycleaners with Eastern Premiere Insurance Center

• Direct access to a national, highly rated carrier (St. Paul Travelers / A.M. Best A+ XV) through an experienced MGA.
• Program wording tailored for drycleaners — BOP packaging with sensible extensions and options.
• Fast underwriting response and pragmatic handling of routine mitigating controls.
• Ability to add pollution and equipment breakdown coverages important to cleaning operations.

Example account you can place through this program: a single-location owner-operated drycleaner with on-site pressing and delivery, up-to-date fire protections, clean loss history, and modest payroll — needs property, GL and pollution buy-up. EPIC can provide a packaged solution with replacement cost property, business income and optional pollution liability.

Frequently Asked Questions

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