您的自助洗衣店或洗衣服务的全面保险

随着我们行业通过技术进步和客户期望的变化而发展，确保全面的保险范围从未如此重要

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.

随着我们的行业通过技术进步和客户期望的变化而发展，对于您的自助洗衣店或洗衣服务的全面保险，这并不重要。从水损坏和设备故障到客户责任和员工安全，运营商面临着广泛的风险，需要仔细关注和主动管理。

(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.

本文通过四个拥有丰富洗衣业经验的保险提供商的意见，探讨了确保洗衣业务的当前状态，在评估保险政策时，为行业面临的挑战，有效的风险维护策略和关键考虑提供了专家见解​​。

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

（编者注：此处提供的信息仅是出于教育目的。读者应就其特定情况咨询保险服务专家。）

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

问：您对在寻找最适合他们的保险的洗衣所有者的建议是什么？

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.

劳伦斯·拉尔森（Lawrence Larsen），劳伦斯·拉尔森（Lawrence Larsen）洗衣保险公司的所有者：花时间搜索经验丰富的自助洗衣店保险经纪人，在您所在的州找到一家录取的保险公司。时间最终将激励保险公司再次在目前有限的选择中提供覆盖范围，尤其是在佛罗里达州，得克萨斯州和加利福尼亚州政策丰富的地区。州保险专员可能会允许增加保费，但是反映通货膨胀现实和美元价值的合理利率似乎是正常的。就像接受我们的自助洗衣店客户的定价增加一样，自助洗衣店所有者接受保险的成本也会更高。

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.

枢纽国际保险服务副总裁商业生产商Jodie Millino：由于运营商数量有限，目前将撰写此类业务，因此没有任何选择。咨询熟悉该行业的保险专家是找到最合适的最佳选择的最佳方法。

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.

布鲁克斯·沃特伯恩公司（Brooks-Waterburn Corp。）总裁拉里·特拉帕尼（Larry Trapani）：与真正了解洗衣业的专家合作。通才经纪人可能不知道哪些承运人对自助洗衣店的风险感到满意。我们花了多年的时间与专门从事该领域的保险公司建立关系。对操作，风险管理和过去的索赔透明，也有助于找到正确的匹配。

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

问：如果有的话，您如何设想在接下来的几年中的洗衣保险市场发生变化？

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.

米利诺：保险市场非常流畅，并且一直在发生变化。可能会有新的航空公司看到机会，并能够为自助洗衣店的所有者提供覆盖范围。加利福尼亚州是所有企业主的承保范围最困难的州，州保险专员将需要让承运人提高利率，如果他们希望他们继续提供承保范围。

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：我们将看到更多的技术集成 - 基于USAGE的保费和智能传感器将发挥更大的作用。由于再保险成本上升和与气候相关的损失，市场可能会暂时收紧，但我也希望新的创新产品能够随着运营商而竞争管理良好的企业而出现。专业将是关键。

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：费率将更高，但会有更多的竞争，尤其是在工人的薪酬政策中，这将有助于减轻其他承保范围的增加。责任承保范围将保持相对合理并广泛可用。房地产覆盖范围将看到大幅增长，并且可能会看到自助洗衣店所有者成本最大的增长。

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

问：洗衣所有者可以采取什么行动来确保其业务仍然可保险？

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市场和销售副总裁乔治·英格拉姆（George Ingram）：不幸的是，保险成本正在上升，几乎所有事情的成本也在上升。索赔的增加和索赔成本是额外的保费驱动因素。企业主必须通过常规评估企业并问：“如果我是客户，我想在这里清洁衣服吗？”如果您的位置维护良好，干净，整洁且安全，那么答案很可能是“是”。是的答案通常会导致企业成为更好的风险。

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.

拉尔森：切勿试图谈判和解，承认损失，甚至承认客户或索赔人，如果可能造成潜在损失，则保险范围。您向公司付款以提供专业的帮助并试图解决索赔，并建议所有者让他们处理所有索赔。阅读您的保险公司期望您在索赔时所做的事情，并在后室中发布说明，以便您和您的员工可以在索赔之前将其引用。

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.

米利诺：由于许多企业主是他们不拥有的建筑物中的租户，所以由于保险公司现在使用无人机来调查建筑物，特别是屋顶，因此很难放置覆盖范围。这可能在确保覆盖范围的情况下构成挑战，但是对于企业主来说，确保其自助洗衣店状况良好，并且每年多次清洁一次干燥机通风孔（尤其是主要通风孔）。每天24小时开放的商店通常很难放置，因为载体更喜欢避免持续曝光。

Trapani: Maintain clean loss histories, stay current with

Trapani：保持干净的损失历史，保持最新