Southern California Dry Cleaners Insurance

Your customers expect prompt, immaculate service. Why should you expect anything less from your California insurance agent? At Golden bells Insurance we are as committed to protecting your Southern California dry cleaning establishment as you are to satisfying your customers.

When you take possession of people's garments, you're taking responsibility for an important part of their lives. We understand you do more than press and clean; your Southern California dry cleaning business is an important part of your community.

That's why Golden Bells Insurance is committed to providing an insurance coverage package that can protect:

• Your dry cleaning presses and racks
• Your store of flammable dry cleaning chemicals
• Your work from customer complaints and lawsuits
• California Dry Cleaners & Environmental Insurance Solutions

Environmental insurance policies have evolved over the last three years to provide viable solutions, control costs, and transfer liability. Golden Bells Insurance can provide environmental insurance policies to Southern California dry cleaners for future releases, undiscovered contamination, third-party liability, and protection against cleanup cost overruns. These risks usually are divided into two basic types of dry cleaner insurance policies in Southern California: "cost cap" or "stop loss" policies cover the cleanup of known contamination, while "property transfer liability" policies cover undiscovered and future contamination.

Insurance Coverage for Southern California Dry Cleaning Operations

Dry cleaners in Southern California can help protect themselves against environmental problems by obtaining the proper dry cleaning and environmental insurance coverage. These policies are variations of property transfer liability policies and insure the property owner (and sometimes the dry cleaner operator) against the cleanup of future releases. Policies also can include coverage of past, undiscovered contamination. Southern California dry cleaners should use the latest dry cleaning equipment technology and require regular inspections by the property manager. For instance, closed- loop technology has no air emissions and produces no separator water that could be disposed of down the sewer. This type of equipment now is required by law in California. Golden Bells Insurance offers programs to help Southern California dry cleaners comply with environmental regulations.

California Insurance Coverage for Undiscovered Contamination

Buyers and lenders can obtain protection against the cost of existing but as yet undetected soil or groundwater contamination from current or former Southern California dry cleaning operations.

Southern California dry cleaner insurance often requires extensive soil and groundwater investigation around potential contamination sources that are identified in a phase I environmental site assessment. However, in certain instances, Golden Bells Insurance can provide dry cleaner insurance coverage even when no phase II investigation has been performed?although the deductible and the cost of the premium reflect this.

California Insurance Coverage for Cost Overruns for Cleanup of Known Contamination

For known contamination problems, remediation stop loss or cost cap policies protect Southern California dry cleaners against cleanup cost overruns. These policies require that an environmental consultant evaluate the contamination and develop a remediation plan and a cost estimate. Golden Bells Insurance typically adds a contingency on top of the consultant's cost estimate to establish the self- insured retention, which is the cleanup cost amount above which the insurance company begins to pay for cost overruns. These policies usually extend until the cleanup is complete and regulatory closure is obtained.

Don't leave your Southern California dry cleaners insurance needs in the hands of just anyone - contact a trusted Golden Bells insurance agent for more information or an insurance quote - call us at 1-714- 828-5810.