There are several liability issues that surround owning and operating a laundromat. Obviously the owner is likely to be held responsible if anyone is injured while on the premises, especially in cases where a person is the victim of something that occurs as a direct result of using the equipment, or if there are hazards present for which the owner should have been aware and taken the steps to remove the hazard, as well as post signs to warn customers of any potential dangers.
In short, the owner or operator of a laundromat is liable for injuries to people that were caused by the owner’s negligence. The owner has a duty to keep the laundromat reasonably safe and can only benefit from having the necessary laundromat insurance to protect the business if ever involved in what could result in a costly lawsuit. To be liable, the owner must, of course, be negligent in some way. For example, by failing to inspect and maintain a washing machine with a history of problems, the owner would be liable for injuries caused by the machine.
The Importance of abiding to local regulations
Some states regulate laundromats to ensure that the premises are clean, kept well lit, and properly ventilated. Some states also require that an attendant be present during business hours. Whether or not a laundromat complies with the regulations will likely have an affect on its liability.
Some common injuries that occur at laundromats
Common injuries include:
- Slip and fall accidents from wet floors
- Dangerous conditions due to poor lighting
- Electrical shock from loose wires, and
- Getting hands or fingers caught in defective machines
Damage to property of customers
By opening the laundromat for business, the owner is representing that the machines are fit, suitable, and safe for washing. If the machines do not work correctly then the owner has a responsibility to make that known or correct the problem, or otherwise be liable for any damage to clothing or other personal belongings.
Running a safe business is not always an easy task, but it is paramount to its success, and laundromat insurance is a cornerstone to safety. Speak to an agent about any and all available coverages.