Laundrette Insurance - Comprehensive Coverage for Your Laundromat Business

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Protect Your Laundrette with Specialist Insurance Cover

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Running a laundrette involves unique risks that standard commercial insurance simply can't cover. From expensive equipment breakdown to water damage and customer liability, your laundromat needs comprehensive laundrette insurance designed specifically for commercial laundry operations.

At Insure24, we understand the challenges laundrette owners face. Our specialist laundrette insurance policies protect everything from your washing machines and dryers to your premises and business income.

Why Do Laundrettes Need Specialist Insurance?

Laundromats face specific risks that make standard commercial insurance inadequate:

Why Choose Insure24 for Laundrette Home Insurance?


  • Equipment breakdown of expensive washing machines, dryers, and extractors
  • Water damage from burst pipes, overflowing machines, or flooding
  • Public liability from customer slips, burns, or equipment-related injuries
  • Theft and vandalism of coin-operated machines and cash collection
  • Fire risks from overheating dryers and electrical equipment
  • Business interruption from equipment failure or premises damage
  • Customer property damage to clothes and personal items

Our Laundrette Insurance Coverage Options

Commercial Combined Insurance for Laundrettes

Our comprehensive laundrette insurance package includes:


  • Buildings insurance for your laundrette premises
  • Contents insurance covering washing machines, dryers, and equipment
  • Business interruption to cover lost income during closure
  • Public liability up to £6 million for customer accidents
  • Employers liability if you have staff
  • Equipment breakdown for specialized laundry machinery

Equipment Breakdown Insurance

Essential coverage for:


  • Industrial washing machines
  • Commercial tumble dryers
  • Spin extractors and hydro-extractors
  • Coin-operated mechanisms
  • Water heating systems
  • Electrical control systems

Equipment Breakdown Insurance

Essential coverage for:


  • Industrial washing machines
  • Commercial tumble dryers
  • Spin extractors and hydro-extractors
  • Coin-operated mechanisms
  • Water heating systems
  • Electrical control systems

Cyber Insurance for Laundrettes

Protects against:


  • Card payment system breaches
  • Customer data theft
  • Ransomware attacks on POS systems
  • Online booking system hacks

What's Covered Under Laundrette Insurance?

Equipment and Contents


  • Commercial washing machines and dryers
  • Coin-operated mechanisms and card readers
  • Water heating and plumbing systems
  • Seating, trolleys, and customer facilities
  • Vending machines and change machines
  • CCTV systems and security equipment

Business Interruption


  • Lost income during equipment breakdown
  • Ongoing expenses like rent and utilities
  • Alternative trading costs
  • Increased working expenses
  • Loss of customer loyalty

Liability Protection


  • Customer slips and falls on wet floors
  • Burns from hot equipment or water
  • Damage to customer clothing or property
  • Allergic reactions to detergents
  • Equipment-related injuries
  • Third-party property damage

Common Laundrette Insurance Claims


Equipment Breakdown

Commercial washing machine motor failure during peak hours - repair costs £3,500 plus £2,000 lost income over 5 days.


Water Damage

Burst pipe floods laundrette overnight - property damage and equipment replacement totals £25,000.


Customer Injury

Customer burns hand on overheated dryer door - medical costs and compensation reach £8,000.


Fire Damage

Dryer overheats causing fire - building repairs and equipment replacement costs £45,000.


Theft

Break-in results in theft of coin boxes and damage to machines - total claim £12,000.


Laundrette Insurance Costs

Laundrette insurance typically costs between £1,200-£4,000 annually, depending on:


  • Number and value of machines
  • Size and location of premises
  • Security measures in place
  • Operating hours and staffing
  • Claims history and risk factors

Factors that can reduce your premiums:


  • Modern security systems and CCTV
  • Regular equipment maintenance contracts
  • Water leak detection systems
  • Fire suppression systems
  • Staff supervision during operating hours

Specialist Laundrette Covers

Dry Cleaning Services

Additional protection for:


  • Dry cleaning equipment and chemicals
  • Customer garment damage or loss
  • Environmental liability from solvents
  • Professional indemnity for cleaning services

Service Wash Operations

Coverage for full-service laundries:


  • Staff liability and training costs
  • Customer property in care, custody, and control
  • Collection and delivery services
  • Increased liability limits

Get Your Laundrette Insurance Quote

Don't let inadequate insurance put your laundromat at risk. Our specialist laundrette insurance policies are designed specifically for the unique challenges of commercial laundry operations.

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I just bought an Insure24 Laundrette insurance policy, for my business partner's and me, and saved £1,205 a year! 

Colin Scott , Scott Laundrette 

Why Choose Insure24 for Your Laundrette Insurance?


  • Specialist knowledge of laundrette and laundromat risks
  • Competitive premiums from leading UK insurers
  • Fast claims handling to minimize business disruption
  • 24/7 support for emergencies and breakdowns
  • Equipment breakdown specialists who understand commercial laundry
  • Flexible payment options to suit your cash flow

Protect Your Laundrette Business with Specialist Insurance Coverage

FREQUENTLY ASKED QUESTIONS

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What makes laundrette insurance different from standard business insurance?

Laundrette insurance is specifically designed for commercial laundry operations. It covers specialized equipment like industrial washing machines and dryers, water damage risks, equipment breakdown, and the unique liability risks of self-service laundry facilities that standard business insurance excludes.

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Do you cover equipment breakdown?

Yes, our laundrette insurance includes comprehensive equipment breakdown coverage for washing machines, tumble dryers, extractors, and other essential laundry equipment. This covers repair costs and lost income while equipment is being fixed.

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What happens if my laundrette floods?

Our property insurance covers flood damage to your premises, equipment, and stock. Business interruption cover also provides financial support for lost income and ongoing expenses while your laundrette is closed for repairs.

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Are customer injuries covered?

Yes, our public liability coverage protects against customer injury claims including slips on wet floors, burns from hot equipment, and equipment-related accidents. Coverage includes legal costs and compensation up to £6 million.

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Do you cover theft of coin boxes?

Yes, our contents insurance covers theft of cash from coin-operated machines, damage to equipment during break-ins, and theft of laundry supplies. We can also add cover for money in transit to the bank.

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What about damage to customer clothing?

Our liability coverage includes damage to customer property, including clothing damaged by faulty machines, overheating, or chemical staining. This covers replacement costs and potential compensation claims.

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How much does laundrette insurance cost?

Costs typically range from £1,200-£4,000 annually depending on the number of machines, premises size, location, security measures, and operating hours. We'll provide a tailored quote based on your specific setup.

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Do you cover 24-hour laundrettes?

Yes, we can provide coverage for 24-hour self-service laundrettes, though this may require additional security measures and slightly higher premiums due to increased risk exposure during unsupervised hours.

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What information do you need for a quote?

We'll need details about your premises, number and types of machines, operating hours, security measures, annual turnover, staff numbers, and any previous claims history.

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Can you cover dry cleaning services too?

Yes, if you offer dry cleaning services alongside your laundrette, we can extend coverage to include dry cleaning equipment, chemicals, environmental liability, and professional indemnity for cleaning services.

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Do you cover service wash operations?

Yes, we can provide enhanced coverage for full-service laundries including staff liability, customer property in care custody and control, and collection/delivery services.

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Can I pay monthly for my laundrette insurance?

Yes, we offer flexible payment options including monthly direct debit to help with your cash flow. There's usually a small additional charge for monthly payments.

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How quickly can I get cover?

Once we have all the information needed, we can often provide same-day cover. For urgent requirements, call us on 0330 127 2333 and we'll prioritize your quote.

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Can I get laundrette insurance with bad credit?

Yes, we work with insurers who consider applications from laundrette operators with adverse credit history. While premiums may be higher, we can still find competitive coverage options for your laundromat business.

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Will my credit score affect my insurance premium?

Credit history can influence premium pricing, but it's not the only factor. Your laundrette's security measures, equipment condition, and claims history often have more impact on your insurance costs.

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Do you run credit checks for laundrette insurance?

Some insurers may conduct credit checks as part of their underwriting process, but this varies by provider. We'll let you know upfront if a credit check is required and work with insurers who are more flexible on credit requirements.

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Can I improve my insurance terms with better credit?

Yes, improving your credit score over time can lead to better premium rates at renewal. We can review your policy annually to ensure you're getting the best available rates as your financial position improves.

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What if I've had a CCJ or bankruptcy?

We work with specialist insurers who consider applications from laundrette operators with County Court Judgments or previous bankruptcy. Each case is assessed individually, and we'll find the most competitive option available.

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How do I make a claim on my laundrette insurance?

Contact our 24/7 claims helpline immediately after an incident. We'll guide you through the process and assign a specialist claims handler who understands the unique aspects of laundrette and laundromat claims.

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What should I do immediately after an incident?

Ensure customer safety first, then document everything - take photos, gather witness statements, and preserve any evidence. Notify us within 24 hours and avoid admitting liability. Our claims team will guide you through the next steps.

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How long do claims take to settle?

Simple equipment breakdown claims can be settled within days, while complex liability claims may take weeks or months. We'll keep you updated throughout and arrange emergency repairs where possible to minimize business disruption.

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Will making a claim affect my premium?

Claims can impact future premiums, but this depends on the nature and frequency of claims. Single incidents beyond your control typically have less impact than repeated claims suggesting poor maintenance or security.

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Do you provide emergency repair services?

Yes, for equipment breakdown claims, we can arrange emergency repair services to get your laundrette operational as quickly as possible. This helps minimize lost income and customer inconvenience.

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What if a claim exceeds my policy limit?

We'll work to negotiate settlements within your policy limits where possible. If a claim genuinely exceeds your cover, you may be personally liable for the excess. This is why adequate coverage limits are crucial for laundrettes.

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Can I claim for lost income during repairs?

Yes, our business interruption cover provides compensation for lost income while your laundrette is closed for repairs following an insured event. This includes ongoing expenses like rent and utilities.

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What happens if multiple machines break down?

If multiple machines fail due to the same cause (like power surge), this would typically be treated as one claim. Our equipment breakdown cover includes provision for multiple machine failures and associated lost income.

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Can I get laundrette insurance with criminal convictions?

This depends on the nature, severity, and timing of convictions. Minor convictions are typically less problematic, but we work with specialist insurers who consider each case individually and may still provide coverage.

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Do I need to declare spent convictions?

For most commercial insurance policies, you need to declare unspent convictions. Spent convictions under the Rehabilitation of Offenders Act typically don't need to be disclosed unless specifically asked.

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What about staff convictions?

If you employ staff, you should conduct appropriate background checks. Staff convictions don't typically affect your business insurance unless they're directly involved in management or have access to customer property.

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Will motoring convictions affect my laundrette insurance?

Minor motoring convictions typically don't affect laundrette insurance, but serious driving offenses may impact terms if you provide collection/delivery services or if they suggest general risk-taking behavior.

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What if I get convicted after taking out insurance?

You must notify us immediately of any convictions during the policy period. Failure to disclose could invalidate your insurance. We'll work with insurers to maintain coverage where possible, though terms may change.

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Can I get cover if I've been refused insurance before?

Previous insurance refusals don't automatically prevent coverage, but must be declared. We work with specialist insurers who may consider applications that mainstream insurers have declined, particularly if circumstances have improved.

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How do convictions affect my premium?

The impact varies by conviction type, age, and relevance to your business operations. Minor, older convictions may have minimal impact, while serious or recent convictions can significantly increase premiums or require specialist coverage.