Laundromat Insurance
Laundromat Insurance – Dry Cleaners Insurance - Drop Off Cleaners Insurance


Laundromat Insurance - Dry Cleaners insurance - Drop Off Cleaners Insurance
A Laundromat Business or Dry Cleaners Business is a business that involves a lot of risk. You have numerous high value machines that cost a lot to purchase but also cost a lot to fix and replace. When you start a Laundromat you most likely spent a significant amount of money running electrical lines and plumbing lines to the machines.

If something was to happen to the business like a fire or flood, not only would it cost you a lot to fix the machines, you would also lose a significant amount in lost business. That is why it is important to have the right insurance policy in place for your Laundromat.

When insuring a Laundromat you have to take the following coverage’s into consideration.



Business Property Insurance
Business property insurance can protect your business against physical loss due to fire, explosion, flood, theft and many other perils. It can provide coverage for the building if you own it and for the belongings of the business.

We can provide insurance coverage for the:

Washers

Dryers

Folding Tables

Flooring

Computers

TV’s

Coin Machines

Soap & Detergent Supplies

The Electrical Work You Have Done

The Plumbing Work You Have Done

And anything else that belongs to the business



Loss Of Income
If your Laundromat does suffer a loss, you may be out of business for 1, 3 or 6 months. This would be a huge catastrophe for the business since it still has to pay utility bills and rent and would not be receiving an income.

With loss of income coverage we can make sure that even though you are not in business, you are not out of business. You can still pay the rent and get your business operational again.

You can be confident that while your business is being repaired or rebuilt, the Laundromat will open again to your customers.

If you do not currently have loss of use coverage on your policy, contact us by clicking here so that we may properly secure your business.



Liability Insurance
The General Liability Insurance portion of your Laundromat or dry Cleaning business protects the business against claims due to injury of third parties.

Injuries are possible in a Laundromat or Dry Cleaning business because of many possible reasons.

Someone Can Slip & Fall Outside The Business

Someone Can Slip & Fall Inside The Business On A Wet Floor

Someone Can Get Burnt By The Dryer

A Folding Table Can Hurt A Child

The Washers Glass Can Break & Cause Injury

And I am sure you can think of many other cases when someone can get injured.

General liability is an important part of the policy. It will cover all of these cases and more and will provide coverage whether you or your business were negligent or not. It will pay for legal & court costs along with any judgment awarded to the claimant.

Bodily Injury
Will provide coverage for anyone other than your employees that are injured on the premises

Property Damage
Will provide coverage if anyone’s property in destroyed or damages within the premises

Products Coverage
Will provide coverage if a customer’s property is damages while in your care because of a covered loss.

Advertising Injury
Will provide coverage if you publish inaccurate information or do false advertising about your competition.



Workers Compensation
Workers compensation covers your Laundromat or Dry Cleaning Business against claims by your employees for injury on the job. If you would like more information on Workers Compensation, please click here and read our article.



Commercial Auto Insurance
If you provide a delivery service to your customers, commercial or business auto insurance is how we would provide coverage for the vehicles the business owns or operates. If you would like more information about commercial or business auto insurance, please click here and read our article.



Our mission is to provide the most detailed information to our customers to ensure that they know how to properly insure their business. DurAmerica Brokerage has over 50 years of combined experience in the insurance industry. We strive to educate our customers and provide the best coverage’s at the lowest prices possible.

Restaurant Insurance

Restaurants
Restaurant Insurance - Restaurant Insurance Policy



Restaurant Insurance

Bar Insurance

Club Insurance

Nightclub Insurance

Lounge Insurance

Tavern Insurance

Catering Insurance



A Restaurant Insurance Policy is a very important part in making sure that your business stays open and successful.
Hundreds of Restaurant Owners realize how important these policies are and have trusted DurAmerica Brokerage to represent them. The type of policy you purchase and the insurance company you purchase it from are important decisions when looking to buy or switch insurance companies. Our agency offers dozens of insurance companies with some of the best prices in the industry.



Restaurant Insurance - Liability Insurance Coverage
The Liability part of your restaurant insurance policy is the part that will pay whether you were negligent or not for injuries by third parties on your premises. These injuries can be because of a slip & fall or because of a hot cup of coffee. It will pay for the injuries along with the defense costs associated with the claim.

Bodily Injury Liability
Liability coverage may pay the claimant if they were injured in a slip & fall incident in your restaurant.

Property Damage Liability
In the event your business causes damage to, or causes the loss of use of someone else's property, property damage coverage may pay for the damages caused the incident and defend your business in the claim.



Products and Completed Operations
Specifically for a restaurant, your product is your livelihood, your product is your food. Products and completed operations coverage would cover any claims of food contamination or food poisoning. It would pay for the legal and defense costs associated with a claim like this and pay for any damages awarded to claimant.



Liquor Liability Coverage
If your restaurant, bar, club or lounge serves alcohol, you may have an exposure to a liquor liability claim. This claim would be brought about by a customer who causes damage or bodily injury to another person because of excessive use of alcohol on your premises. If your staff did not stop a patron from drinking and the customer leaves your premises you may be held accountable for injuries that they cause. This type of coverage is necessary and imperative for businesses you mainly deal with alcohol sales. If you currently have this type of business and do not have this coverage, it is important for you to contact us as soon as possible to properly secure your business.



Hired Auto & Non-Owned Auto
Hired Auto & Non-Owned Auto coverage is an additional endorsement that can be added to your policy. It is important for businesses that use other peoples or other companies vehicles for their own use.

Hired Auto is when you and your businesses use the services of rental car agencies or taxi and limousine companies.

Non-Owned Auto coverage is when your employee uses their own vehicle for business purposes like to make deliveries. If an accident was to occur during a delivery your business may be held liability for the damages.



Medical Payments
Medical payments coverage would pay for medical bills up to a specified amount as a measure of goodwill in order to avoid a lawsuit. If someone was slightly injured in your business and needed medical attention, this coverage will pay for the medical bills.



Personal Injury
Most Restaurant Liability Policies provide coverage if you are accused of:

Slander or libel of a person or company

Violating a person's right of privacy

False arrest and prosecution

Wrongfully evicting someone



Advertising Injury
If you place advertisements for your business you may be open to an advertising injury claim. Advertising injury coverage provides protection against the possible claims listed below

Placing advertisements that slander or libel another businesses

Naming you competition by name and making false accusations

Use of others copyrighted materials Restaurant Insurance



Property Insurance Coverage

Property insurance coverage is one of the most important parts of a business policy. It protects the building that you occupy along with all of your contents and inventory against numerous possible things that can occur.

Some of these possible occurrences are fire, lighting, flood, wind, hail, sleet, snow, pipes bursting, explosions, collapses and many other perils. The type of policy you have or looking to purchase will determine which of these perils will be covered. Insurance companies use three different forms when writing insurance policies which determine what is covered. They use a basic form, a broad form and a special form. If you are unsure what you currently have or would like an explanation of these forms, please contact one of our insurance professionals today.



Restaurant Insurance - Loss of Use & Business Income
In the event of a covered peril or claim like fire, collapse, flood etc..your business is going to lose income during the time that you are not in business. The loss of use & business income coverage will provide protection for your income during this time. In the event of a claim like this your business may be out of business for many months and this coverage will maintain and pay your various bills and rent until you are up and running again.



As you can see it is our mission to educate our customers. That is why thousands of clients like yourself have chosen DurAmerica Brokerage Inc as their agency of choice. Give us a call today to find out what we can do for you, our low cost policies provide superior coverage at a price you can afford. Click here for a free no obligation quote

Who is Duramerica?

DurAmerica Brokerage Ins is a full service insurance agency that provides competitive solutions for all your insurance needs. As an independent insurance agency, we represent multiple carriers. This allows us to price your insurance policies effectively and accurately while providing a level of quality & professionalism that is second to none.

We offer high quality quotes from A rated insurance companies. We represent dozens of insurance carriers and thousands of clients, as firm believers that customer service and customer satisfaction and #1 we strive to provide you with the best policies and lowest prices in the Market. Our professional staff can quote contractors, restaurants and any other type of business insurance policy.

We believe in educating our clients, that is why our customers choose us to secure their financial future. On the pages throughout our site, you will find useful information describing in detail what different insurance policies cover and how these coverages affect your business. We encorage our clients to ask questions, that is the only way to build a mutually beneficial relationship and to ensure your financial success.

We are an organization that strongly believes that customer satisfaction is the most improtant attribute to a successful business, that is why we ask our customers to voice opinions about service. Our current customer satisfaction rating is at 95% and we work very hard to ensure that you are satisfied. If you are not currently satisfied with you agent you can always do a change of broker and take advantage of the superior services we have to offer. Give us a call to day or click here and let us assist you with your insurance needs.

Whether you are interested in insuring your auto, home or business, we have a low cost solution for you. Our auto insurance customers can take advantage of multiple discounts to decrease their premiums. They can insure their home and get additional discounts from our insurance companies.

Because we are business insurance specialists, we are able to write almost any type of business with various coverages and products. Our licensed professional insurance specialists are always on hand to assist you in obtainging a free quote for your business. Some of our best selling classes of business are Contractors, Restaurants, Bars, Clothing Stores, Laundromats, Supermarkets, Deli's, Doctors Offices, Builders Risk and Nightclubs. We often write many more types of businesses and seldom find a business that we cannot write. Give us a call today or click here and find out what we can do for you.

"...Ive been doing this forever, nothing has ever happened!"

"...Why Would I need Insurance?!?!"

If you are an entrepreneur in any field type, you understand that there are certain risks that you and your clients have to accept in order to perform the work necessary to accomplish the task, finish the job or perform the service requested. These risks may be only one party, or everyone equally. Each party needs to minimize this risk, it does not interfere with their own business, or even having their personal lives. Contractors insurance provides coverage for you and your customers peace of mind that you are looking for both. Contractors insurance is a policy that is purchased by the contractor himself. This policy covers and protects the contractor against any liability that may arise during the implementation of the work context. This type of insurance is not only the firms themselves but also for all officers, employees, partners and any such claims which may arise. Depending on the type of policy include that you could want in mind, the planned events, fires, leaks, force majeure, war and terrorism, security issues, etc. Before signing a established policy, make sure that all elements in the policy review to ensure that liabilities do arise are covered. Make sure all sorts of responsibilities that do not apply would be found in your specific field. You would not buy and pay for the guarantee that you will ever need. There are a variety of professional fields that could benefit from the additional protection of some form of implementation of insurance contracts. Most of these areas are grouped mainly in the construction sector. They are roofers, electricians, plumbers, designers, architects include engineers, etc. Other areas that could use a similar form of insurance would be a computer technician, designer, landscape architect, any form of contractor demolition, not more. To see if you could even use this kind of insurance protection, you write all the circumstances that might go wrong during your normal completion of the project and consult your insurance agent. They are the definitive answers for you and be sure to make your concerns with them. Your agent would have another type of insurance that would best suit your needs. There are five different options for insurance to check if your policy. They are General Insurance, Workers Compensation Insurance, Inland marine insurance, disability insurance and bonds. Then in your specific region, you need two, three or even all of the friends of coverage available. Make sure the money is not on the insurance options that do not need. For example, if you do not like a truck transporting goods companies or any other courier company, you do not want to spend money for domestic marine insurance, because that is what this type of insurance. However, if you have people who are active on your payroll, you will not get insurance coverage for workers compensation. Consult your insurance agent to get the best care for the low price.