Insurance for Home-Based Laundry Services
4.8/5 on
- Purchase 100% Online
- Covers Pick-up & Delivery Services
- Meets Client Insurance Requirements
- Protects Your Equipment
What is Laundry Service Insurance?
Laundry service insurance is a type of cleaning business insurance designed to cover the risks of running a home-based or mobile laundry business. If you damage a client’s property during drop-off or a customer claims your services ruined their clothes, insurance can help cover the costs.
Your coverage is tailored to how you run your small business, protecting services like wash-and-fold, pickup and delivery, or recurring household laundry care.
Who Needs Insurance for Home-Based Laundry Services?
- Mobile laundry businesses
- Wash-and-fold services
- Pickup and delivery laundry pros
- Subscription-based laundry services
- Recurring residential laundry services
- Commercial linen cleaning
- Bedding and towel laundry services
- On-demand laundry services
How Much Does It Cost to Get Insurance for a Home-Based Laundry Business?
The cost of cleaning insurance for home-based laundry businesses starts at $39/month or $425/year. It’s an affordable way to help protect your small business, elevate your services, and keep your reputation as fresh as every folded order you send out.
Your final cost depends on the optional coverages you choose, your business’s revenue, and other details related to your operations.
Common Risks for Mobile Laundry Businesses
Even small, home-based laundry businesses are at risk for the unexpected, and we’re not just talking about difficult stains. Laundry service insurance is built to protect you from costly accidents like:
- A customer trips and falls over your laundry bag, spraining their wrist
- Heavy laundry is dropped on a customer’s tile floor, damaging it
- A client claims your services ruined their clothing after it was washed and returned
- Your portable steamer and locked transport bin were stolen from your laundry van
- You get into a car accident while delivering a customer’s laundry
Coverage Limits for Laundry Service Insurance
General Aggregate
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
$2,000,000
Products & Completed Operations Aggregate
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold, or distributed.
$2,000,000
Each Occurrence Limit
The maximum amount your policy will pay annually for claims of bodily injury or property damage due to an incident that occurred with a product during or after your class, such as a faulty piece of equipment injuring a client.
$1,000,000
Personal & Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
Damage to Rented Premises Limit
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
Medical Expense Limit
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
$ 5,000
Limits / Occurrence / Aggregate
Premium
Deductible
$1,000/$3,000
$40
$250
$2,000/$6,000
$55
$5,000/$10,000
$60
-
They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
-
They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More it would be. Then when I was ready to make my purchase, I called again. Was explained to me that everything was done online, I told the lady on the phone I didn't want to make this kind of purchase online with no guidance. She was so helpful and kind and patient! Walked me thru every page of the form and honestly didn't take long at all. Hope I never need to use the policy but nice to know I have it.
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More reasonable price. I definitely would use them in the future,
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More a way to input the information or you can call or email to request it.
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More 15 minutes and had the signed contract in my possession 30 minutes later.
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More to be desired. 🤷🏻♀️ overall, would recommend! 🙂
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
You’re a washing, drying, folding machine. When you need simple, no-fuss coverage, we make it easy to get insured. Purchase your laundry insurance policy online today!
What Insurance Do I Need for My Mobile Laundry Business?
Mobile and home-based laundry businesses need general liability insurance to help cover common accidents, including customer injuries, property damage, and issues that arise after laundered items are returned.
For seamless protection, customize your coverage to fit your services with optional add-ons like:
- Commercial Auto Insurance: Helps pay for damages, medical bills, and legal costs if you’re involved in an auto accident while transporting, picking up, or delivering laundry
- Tools & Equipment Coverage: Can cover the cost to repair or replace your folding tables, rolling carts, steamers, and other equipment if it is stolen or suddenly damaged
- Workers Compensation: Covers your employees’ medical expenses and lost wages if they get sick or injured on the job
- Cyber Liability Insurance: Can help you and your customers recover from a data breach or cyber attack on your booking software, payment system, or website
- Janitorial Bonds: Ideal for small businesses offering in-home laundry services, bonds help meet contract requirements and reimburse clients for employee theft
*Built for laundry business owners who are on-the-go, our mobile laundry service insurance does not cover dry cleaning services or laundromats. Learn more about our exclusions.
Fresh service like yours deserves reliable protection, which is why our coverage is tailored for laundry and cleaning professionals. Stay sorted, cleaned, and covered with laundry business insurance from Insurance Canopy.
- Apply online in 10 minutes or less
- Get same-day proof of insurance
- Enjoy 24/7 online access to your policy
- Customize your coverage with tailored add-ons
Questions About Insurance for Home-Based Laundry Services
Do Mobile Laundry Businesses Need to be Bonded and Insured?
Mobile laundry businesses usually need insurance, but they do not always need a bond. Insurance helps protect your business from claims involving customer injuries, property damage, auto accidents, and damaged equipment.
You may need a janitorial bond if a client or commercial contract requires it, especially if you have employees picking up or dropping off laundry inside customer homes or businesses.
Does Homeowners Insurance Cover My Home-Based Laundry Business?
No, homeowners insurance does not typically cover a home-based laundry business. Most homeowners policies do not cover for-profit business activities like wash-and-fold services, laundry pickup and delivery, or recurring laundry care.
Does Laundry Insurance Cover Dry Cleaners?
No. Insurance Canopy’s laundry business insurance excludes dry cleaning services. If you’re not sure whether your cleaning services are covered, please contact us to speak with a licensed agent.
What Kind of Insurance Does a Pickup-And-Delivery Laundry Business Need?
A pickup-and-delivery laundry business usually needs general liability insurance and commercial auto insurance. General liability helps cover third-party injuries, property damage, and some claims tied to your services, while commercial auto helps cover accidents that happen while driving for business.
Many pickup-and-delivery laundry businesses also add inland marine insurance to help protect supplies and equipment while they are being stored, moved, or transported between locations.
Will Insurance Cover Customer Clothing If It Is Lost or Damaged?
Customer clothing is not always covered under a standard laundry business insurance policy. If you handle customer garments, check whether your policy includes protection for accidental damage and review any exclusions carefully.
Still have questions? Please contact us to speak with one of our licensed insurance agents in English or Spanish. We are available Monday through Friday from 8 am – 8 pm EST.
Starting a cleaning business doesn’t have to break the bank, but knowing what
You’re an expert at making clients’ properties shine, but sometimes overspray happens! When
When a client asks for proof of insurance, they’re really checking one thing: