Laundries and Dry Cleaning Plants

What Does GL Code 45678 Cover?

ISO GL class code 45678 covers businesses primarily engaged in operating laundries and dry cleaning plants, including self-service laundromats, coin-operated laundries, and full-service dry cleaners. This code classifies operations involving the cleaning, pressing, and dyeing of clothing, textiles, and other articles, encompassing both customer drop-off and pick-up services, as well as potential delivery operations.

Who Uses This Class Code?

This code applies to a range of businesses such as full-service dry cleaning establishments, laundromats, coin-operated laundry facilities, commercial laundries serving hotels or hospitals, and specialized textile cleaning services. It also includes businesses offering garment alteration and repair services in conjunction with their primary cleaning operations.

Common GL Claims for This Class

Common claims for dry cleaning plants include damage to customers' garments (e.g., shrinking, discoloration, loss), slip-and-fall incidents by customers on wet floors, and property damage or bodily injury resulting from chemical spills or equipment malfunctions.

Coverage Tips for Code 45678

• Ensure your policy includes coverage for damage to customers' goods in your care, custody, or control, as this is a common exposure for dry cleaning operations.
• Verify that your general liability policy does not contain exclusions for pollution or chemical spills, which are significant risks in dry cleaning processes, and consider a separate environmental liability policy if needed.
• Given the use of machinery, ensure your property insurance adequately covers equipment breakdown, which can lead to significant business interruption and repair costs.
• In Florida, be aware of specific waste disposal regulations for dry cleaning chemicals; non-compliance can lead to fines and environmental liability claims not covered by standard GL.