Diaper Supply Services

How to Insure Your Diaper Supply Service

Get the best coverage to protect your business.

Cloth Diapers on drying on line. Find diaper supply services.

Diaper supply services deliver clean cloth diapers to households, and pick up and launder soiled diapers.

If you own a diaper supply service, you may have a very simple business model. But even your cut-and-dried services can be interrupted when unexpected problems occur. 

The best thing you can do to protect your business and your customers is to have the right business insurance in place to make sure you can recover your losses, regroup, and continue to operate, even when something goes terribly wrong.  

A local independent insurance agent can help you get the diaper supply service insurance you need.

Why Do You Need Diaper Supply Service Insurance?

In order to ensure that you can remain in business for the long term, you must invest in diaper supply service insurance to protect your assets from the following potential risks:

  • Accidents, such as trips and falls on your premises
  • Lawsuits related to negligence claims
  • Property losses and loss of income due to a catastrophic or unexpected event
  • Damage to your laundry equipment (washers, dryers, specialized folding machines, etc)
  • Employee theft or crime
  • Delivery drivers involved in automobile accidents
  • Employee lawsuits related to discrimination or other claims
  • Cyber breaches

As a business owner, you need to understand all of these risks, and how your business insurance can help protect you should the worst happen.


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What Does General Liability Insurance Cover?

Commercial general liability (CGL) insurance is critical for diaper supply services. It protects you from costs related to bodily injury or property damage that you or your employees cause to third parties. CGL policies also cover your defense costs, court costs, and court-ordered judgments that you must pay.

A CGL policy responds to simple trip-and-fall incidents on your premises (e.g., a customer trips on an upturned rug and breaks her ankle). And it covers you if you’re responsible for damaging someone’s property. CGL policies also cover claims of slander, libel, and advertising liability.

What Does Commercial Property Insurance Cover?

Commercial property insurance protects you if a fire, vandalism, smoke, theft, or other type of event damages your property. It provides coverage for lost inventory, equipment and machinery, office equipment, computers, and more.

Commercial property insurance policies usually include business interruption coverage, which protects your earnings if your business is unable to operate because of damage caused by some type of covered property damage (fire, hail, wind, equipment breakdown). It pays for rent, employee salaries, lost income, relocation fees, and more.

You can expand your business interruption coverage to include coverage for breakdowns in utility services (water, electrical) that force you to temporarily close your doors.

Why Is Equipment Breakdown Coverage Important for Diaper Supply Services?

Equipment breakdown coverage, or boiler and machinery coverage, is essential for your diaper supply service. Without functioning laundry equipment, you cannot deliver clean diapers to your customers.

This coverage helps you with the costs of repairing or replacing damaged equipment, and may also pay for lost income that is directly attributable to the breakdown of covered equipment.


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Why Do You Need Commercial Vehicle Insurance?

Because you own commercial vehicles to make deliveries to your customers, you need commercial auto insurance.

It covers your company’s vehicles and drivers (cars, SUVs, vans and trucks) that are damaged or injured in a collision or some other type of event. And if you or your employees drive personal vehicles for business purposes, you must have non-owned or hired auto liability coverage to protect your company if an employee is in an accident while out making deliveries.

Do You Need Any Other Diaper Supply Service Insurance?

In addition to the coverage types described above, diaper supply services will want to consider some of the following types of business insurance. Whether you need them depends upon your unique risks.

  • Workers’ compensation insurance: Provides insurance coverage when accidents happen in the workplace. It ensures that the injured worker gets medical care and income protection while unable to work.
  • Commercial umbrella insurance: Provides supplemental liability protection beyond the limits of certain other liability policies. This policy can be invaluable for a once-in-a-lifetime judgment rendered against you.
  • Employment practices liability insurance: Covers you if an employee sues you for discriminatory employment practices.
  • Cyber liability coverage: Protects you from the risks associated with cyberattacks, data breaches, viruses, and other cyber-related issues that impact your online store or other computer systems.
  • Employee theft and crime coverage: Protects your business from the costs of theft, dishonesty, and fraudulent acts committed by an individual employee or a group of employees. It provides coverage for forgery, alteration, theft, unauthorized electronic fund transfers, credit card fraud, computer fraud, money order fraud, and counterfeit fraud.

These policies can be tailored to your unique needs.

How Much Does Diaper Supply Service Insurance Cost?

Diaper supply service insurance costs depend on the type of coverage you need and the coverage limits you require to adequately protect your commercial property and the liability risks that you face.

Insurance companies that specialize in businesses like yours will evaluate your unique characteristics, including your location, the value of your commercial property, the number of employees that you have, and several other factors in order to determine your business insurance premiums.


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Benefits of an Independent Agent

An independent insurance agent who has experience working with diaper supply services and other similar businesses can help you decide the types and amounts of coverage that you need for your business. The choices you make will determine your cost of coverage.

Independent agents can work with numerous reputable insurance companies that specialize in your type of business. Together you can review a variety of proposals and choose the best mix of coverage that meets your needs and budget.

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Find and Compare Quotes for Diaper Supply Service Insurance

Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs.

Your agent will work with you free of charge to get quotes from multiple insurance companies so you can make the best choice.

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TrustedChoice.com Article | Reviewed by Paul Martin

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