您的自助洗衣店或洗衣服務的全面保險

隨著我們行業通過技術進步和客戶期望的變化而發展，確保全面的保險範圍從未如此重要

As our industry continues to evolve through technological advancements and amid changing customer expectations, it’s never been more important to secure comprehensive insurance coverage for your laundromat or laundry service. From water damage and equipment breakdowns to customer liability and employee safety, operators face a wide range of risks that demand careful attention and proactive management.

隨著我們的行業通過技術進步和客戶期望的變化而發展，對於您的自助洗衣店或洗衣服務的全面保險，這並不重要。從水損壞和設備故障到客戶責任和員工安全，運營商面臨著廣泛的風險，需要仔細關注和主動管理。

(Photo: © NewAfrica/Depositphotos)

（照片：©newagrica / poadephotos）

Featuring input from four insurance providers with vast laundry industry experience, this article explores the current state of insuring laundry businesses, offering expert insights into the challenges facing the industry, effective risk maintenance strategies, and key considerations when evaluating insurance policies.

本文通過四個擁有豐富洗衣業經驗的保險提供商的意見，探討了確保洗衣業務的當前狀態，在評估保險政策時，為行業面臨的挑戰，有效的風險維護策略和關鍵考慮提供了專家見解​​。

(Editor’s note: The information provided here is for educational purposes only. Readers should consult an insurance services professional regarding their specific situation.)

（編者註：此處提供的信息僅是出於教育目的。讀者應就其特定情況諮詢保險服務專家。）

Q: What is your advice to laundry owners who are having difficulty finding insurance that would be the best fit for them?

問：您對在尋找最適合他們的保險的洗衣所有者的建議是什麼？

Lawrence Larsen, owner, Lawrence Larsen Laundry Insurance: Take the time to search out an experienced laundromat insurance broker to find an admitted insurance carrier in your state. Time will eventually give incentive to insurance companies to again offer coverage in those areas currently with limited options, particularly in the policy-rich areas of Florida, Texas and California. State insurance commissioners will likely allow increased premiums, but fair rates reflecting the realities of inflation and the reduced value of the American dollar will seem to be normal. Just like increased pricing by our laundromat customers is being accepted, so will the higher costs of providing insurance be accepted by laundromat owners.

勞倫斯·拉爾森（Lawrence Larsen），勞倫斯·拉爾森（Lawrence Larsen）洗衣保險公司的所有者：花時間搜索經驗豐富的自助洗衣店保險經紀人，在您所在的州找到一家錄取的保險公司。時間最終將激勵保險公司再次在目前有限的選擇中提供覆蓋範圍，尤其是在佛羅里達州，得克薩斯州和加利福尼亞州政策豐富的地區。州保險專員可能會允許增加保費，但是反映通貨膨脹現實和美元價值的合理利率似乎是正常的。就像接受我們的自助洗衣店客戶的定價增加一樣，自助洗衣店所有者接受保險的成本也會更高。

Jodie Millino, vice president commercial lines-producer, HUB International Insurance Services: Due to the limited number of carriers that will write this class of business currently, there are not the options there used to be. Consulting with an insurance professional that is familiar with the industry is the best way to find the best fit that is available.

樞紐國際保險服務副總裁商業生產商Jodie Millino：由於運營商數量有限，目前將撰寫此類業務，因此沒有任何選擇。諮詢熟悉該行業的保險專家是找到最合適的最佳選擇的最佳方法。

Larry Trapani, president, Brooks-Waterburn Corp.: Work with a specialist who truly understands the laundry industry. A generalist broker may not know which carriers are comfortable with laundromat risks. We’ve spent years cultivating relationships with insurers who specialize in this space. Being transparent about operations, risk management and past claims also helps find the right match.

布魯克斯·沃特伯恩公司（Brooks-Waterburn Corp。）總裁拉里·特拉帕尼（Larry Trapani）：與真正了解洗衣業的專家合作。通才經紀人可能不知道哪些承運人對自助洗衣店的風險感到滿意。我們花了多年的時間與專門從事該領域的保險公司建立關係。對操作，風險管理和過去的索賠透明，也有助於找到正確的匹配。

Q: How do you envision the laundry insurance marketplace changing over the next few years, if at all?

問：如果有的話，您如何設想在接下來的幾年中的洗衣保險市場發生變化？

Millino: The insurance market is very fluid, and changes are happening all the time. It is possible that there will be new carriers that see an opportunity and will be able to offer coverage for self-service laundry owners. California being the most difficult state to place coverage for all business owners, the state insurance commissioner will need to let the carriers take rate increases if they want them to continue to provide coverage.

米利諾：保險市場非常流暢，並且一直在發生變化。可能會有新的航空公司看到機會，並能夠為自助洗衣店的所有者提供覆蓋範圍。加利福尼亞州是所有企業主的承保範圍最困難的州，州保險專員將需要讓承運人提高利率，如果他們希望他們繼續提供承保範圍。

Trapani: We’re going to see more tech integration—usage-based premiums and smart sensors will play a bigger role. The market may tighten temporarily due to rising reinsurance costs and climate-related losses, but I also expect new, innovative products to emerge as carriers compete for well-managed businesses. Specialization will be key.

Trapani：我們將看到更多的技術集成 - 基於USAGE的保費和智能傳感器將發揮更大的作用。由於再保險成本上升和與氣候相關的損失，市場可能會暫時收緊，但我也希望新的創新產品能夠隨著運營商而競爭管理良好的企業而出現。專業將是關鍵。

Larsen: Rates will be higher, but there will be more competition, especially in workers’ compensation policies, which will work to mitigate the increases in other coverages. Liability coverage will remain relatively reasonable and widely available. Property coverage will see significant increases and will likely see the greatest growth in costs for laundromat owners.

Larsen：費率將更高，但會有更多的競爭，尤其是在工人的薪酬政策中，這將有助於減輕其他承保範圍的增加。責任承保範圍將保持相對合理並廣泛可用。房地產覆蓋範圍將看到大幅增長，並且可能會看到自助洗衣店所有者成本最大的增長。

Q: What action(s) can laundry owners take to make certain their businesses remain insurable?

問：洗衣所有者可以採取什麼行動來確保其業務仍然可保險？

George Ingram, vice president of marketing and sales, NIE: The unfortunate fact is that insurance costs are rising, as are the costs of almost everything. Increasing claims and the cost of claims are drivers in increasing premiums. A business owner must remain diligent in preventing losses by routinely evaluating the business and asking: “If I was a customer, would I want to clean my clothes here?” If your location is well-maintained, clean, tidy and safe, most likely the answer will be “yes.” A yes answer will typically result in the business being a better risk.

Nie市場和銷售副總裁喬治·英格拉姆（George Ingram）：不幸的是，保險成本正在上升，幾乎所有事情的成本也在上升。索賠的增加和索賠成本是額外的保費驅動因素。企業主必須通過常規評估企業並問：“如果我是客戶，我想在這裡清潔衣服嗎？”如果您的位置維護良好，乾淨，整潔且安全，那麼答案很可能是“是”。是的答案通常會導致企業成為更好的風險。

Larsen: Never attempt to negotiate a settlement, acknowledge a loss or even admit to a customer or claimant that there is insurance coverage in the event of a potential loss. You paid a company to provide professional assistance and attempt to settle claims, and owners would be advised to let them handle all claims. Read what your insurance company expects you to do in the event of a claim and post the instructions in your back rooms so you and your staff can reference them prior to a claim.

拉爾森：切勿試圖談判和解，承認損失，甚至承認客戶或索賠人，如果可能造成潛在損失，則保險範圍。您向公司付款以提供專業的幫助並試圖解決索賠，並建議所有者讓他們處理所有索賠。閱讀您的保險公司期望您在索賠時所做的事情，並在後室中發布說明，以便您和您的員工可以在索賠之前將其引用。

Millino: Because many business owners are tenants in buildings they do not own, it can be difficult to place coverage as insurance carriers are now using drones to survey buildings, specifically roofs. This can pose a challenge in securing coverage, but it is crucial for business owners to ensure that their laundromat is in good condition and dryer vents (particularly main vents) are cleaned more than once a year. Stores open 24 hours a day are typically harder to place as carriers prefer to avoid constant exposure.

米利諾：由於許多企業主是他們不擁有的建築物中的租戶，所以由於保險公司現在使用無人機來調查建築物，特別是屋頂，因此很難放置覆蓋範圍。這可能在確保覆蓋範圍的情況下構成挑戰，但是對於企業主來說，確保其自助洗衣店狀況良好，並且每年多次清潔一次乾燥機通風孔（尤其是主要通風孔）。每天24小時開放的商店通常很難放置，因為載體更喜歡避免持續曝光。

Trapani: Maintain clean loss histories, stay current with

Trapani：保持乾淨的損失歷史，保持最新