North Carolina Association of Launderers and Cleaners

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Carolina Clean



Our Values


We will do the right thing, be honest and fair in our dealings with each other and the public, and deserving of the trust of others.


We will be examples and encourage others to strive for excellence and advocate for and serve the greater good in our actions.


We gain strength, momentum and support in our business, families, and our association by the collective deliberation of all participants.


We understand that learning (gaining knowledge) is a life-long, every day requirement for continuous improvement in each of our local businesses.


We approach our industry which is our livelihood, with contagious enthusiasm, excitement, and devotion to our membership, our employees, customers, and communities.

President’s Message

Holiday Tweets

Someone recently reminded me that it is a Presidential responsibility to tweet.  Presidential? I’m not so sure about that.  A responsibility to share what’s going on?……yep, I agree with that.  So for our Holiday Edition, I am going to tweet about what’s been going on at NCALC.

2017 began with Paul Goodson:  Our new Executive Director, (but not new to Executive Directoring), who is organizing the efforts of our Association! Thanks Paul

We gathered in Pinehurst for our Winter board meeting, began working on our Association Core Values and was serenaded at dinner by our lovely waitress!

Neither rain, sleet or snow could keep Sandra Haralson from sharing her Pressing and Inspections knowledge with us in February. Good stuff! Thanks David Makepeace for hosting.

Area meetings in Raleigh, Greensboro and Charlotte brought out some new faces and time to share with current members.  Gotta love a Golden Corral! Thanks to Chris Edwards your updates.

Our committees spent quality time updating our mailing addresses, locking down speakers and preparing for our annual convention. Thanks Patrick Collins!

Memorial Day at the Beach!  Family fun and sun, dinners by the beach and overlooking the harbor, seminars, business talk and laughter….we had a great convention!

Las Vegas night lights, catching up with friends, equipment, software, new products, gambling, dancing and lots of walking…Clean Show was great. Thanks Martin Young for your DLI Directorship!

Fall in Asheville, our board meeting  brought energy to our group…a new format, lots of great ideas, energized discussions, good food, dancing, pub crawls and tours! Jimmy and Larry had lots of fun!

A warm farewell to several members of our Association:  Rick Kane and Roger Routh who are both retiring at the end of the year…You will be missed!

Happy Holidays to All the members of NCALC… may your days be blessed with holiday sweaters, dress shirts and dry cleaning galore…and your New Year filled with dirty clothes and spots to remove.

See you out there,

Rita Foley

President, NCALC

Is Your Business Prepared?


Just about everything in the building was destroyed. Machinery. Supplies. Clothing. The building  housed the offices of Dependable Cleaners based in Quincy, Massachusetts, as well as the company’s laundry mat, retail store, and its facility that processed clothing for seven of its stores.

“We lost it all,” says Christa Hagearty, president of Dependable Cleaners, which supports 16 locations in the Boston area. “A fire such as this was a significant hit on our ability to operate. Having the right coverage and an agent that helps you understand it is really important.”

Most drycleaners have insurance, which is typically required by their landlord. But is it enough? Is it the right type of coverage? And will it cover a company’s losses until it’s up and running  again?

Not necessarily. Some drycleaners shortchange themselves, placing their business and livelihood at risk by not obtaining the appropriate insurance. They develop the, “It will never happen to me,” syndrome and purchase barebones coverage, paying low insurance premiums. However, it only takes one disaster or lawsuit to realize that such savings usually end up being very costly.


Although Hagearty’s business had excellent coverage – everything from business interruption to regulatory insurance – she anticipates her business will still need to pay somewhere in the six figure range to open its new doors.

“There  are  some  things  that  happen  in a fire that

there is no coverage for,” she says, referring to the massive amount of time she spent with insurance companies and designing a new building. “We also had $250,000 in regulatory coverage. The amount we actually needed to install a new drain system and sprinkler system was greater than the insurance coverage.”

Hagearty says there are many lessons to learn from a disaster. First, drycleaners need to conduct annual reviews with their broker to ensure that their coverage and limits reflect upgrades, new equipment, or renovations. If disaster strikes, hire a public adjustor to negotiate on your behalf with insurance companies. Likewise, instead of purchasing an unlimited business interruption policy that will cover your business for up to one year after a disaster, set a financial limit that will cover your business for 18 or 24 months.

“I know it can be hard to write out those checks when you don’t collect on insurance, but having gone through all of this, be really happy that you don’t collect,” says Hagearty. “I couldn’t imagine how much harder this would have been without the  right coverage.”


Although most drycleaners are required by their landlord to insure their business, less than 10% lack any form of insurance because they can’t afford it while others are underinsured or don’t have the right coverage, says Adam Weber, president at Irving Weber Associates, DLI’s endorsed insurance partner in Ronkonkoma, New York.

At the very least, he says drycleaners need several types of insurance: fire insurance to cover their building, equipment, supplies, and inventory; liability insurance in case someone slips and falls or injures themselves on their property; and Bailee insurance, which insures goods that are in their care, custody, and control.

However, in more than the past 70 years, he says the insurance industry has developed a smorgasbord of over 20 different types of policies that protect drycleaners under most scenarios. Several recent examples include restoration coverage, which insures customer’s goods being restored, and coverage for drivers and vehicles during route pickups or drop-offs.

Sometimes, he says drycleaners purchase the wrong coverage. Instead of Bailee coverage, for example, they buy coverage that protects the properties of others.   Big mistake. With the latter coverage, he says all claims must be filed before a single penny is paid. Worse yet, if the total amount of claims exceeds the coverage limit, then customers are reimbursed a percentage of their loss.

Another consideration involves utilities. Even though your business was not damaged by a natural disaster, you still may not be able to operate because local utilities are out. Will your business interruption policy still cover your business? Or what would happen if solvent or chemicals escape into the ground, air, or somehow leak into an adjacent store? Would you be covered? Probably not, he says, adding that drycleaners would do well to consider pollution liability coverage.

There are so many details, so many exceptions, and so much to learn about insurance that it’s best to work with an experienced broker.

“The insurance company’s goal is to get you back in business as quickly as possible the way you worked before the loss,” Weber says, adding that an insurance company’s job is to restore your business, not improve it. “From an insurance perspective, be prepared to have very good documentation. It’s very important for a quick claims settlement and becomes the least painful way of getting you back on your feet.”


•Bailee: Customers’ Property accepted for cleaning, laundering, pressing, renovating, repairing, sewing, storage or dying while in/on premises owned, leased or operated by you or while in due course of transit.

•Mysterious Disappearance: Coverage for Loss to customers property due to an unexplained disappearance or shortage found  upon taking  inventory

•Work in Process: Coverage for Loss or damage to customer property caused by the actual work performed by you or your employees. (i.e. A machine you use to press damages a shirt.)

•Business Income & Extra Expense: Loss of business income & necessary extra expenses you sustain due to the necessary suspension of your operations during the period of restoration. (i.e. Money you didn’t earn because you were closed while the boiler was being replaced.)

•Business Income-Dependent Properties: Coverage for business income you sustain due to physical loss or damage at the premises of a dependent property.

•Replacement Cost (RC): Dollar amount needed to replace damaged property without deducting for  depreciation but limited to the maximum dollar amount shown on the policy.

•Actual Cash Value (ACV): Dollar amount needed to replace damaged property deducting depreciation value and limited to the maximum dollar amount shown on the policy.

•Actual Loss Sustained (ALS): Reimbursement based on the actual expenses you incur during the period of restoration from a covered loss.

•Employee Dishonesty: Coverage for employee theft of money,  securities, or property.

•Non-Owned & Hired Automobile Coverage: Coverage to automobiles used in the course of business by insured and/or employees which are not owned by the business. (i.e. Employee damages their own car while using it for a delivery.)

•Civil Authority: Coverage for loss of business income sustained caused by action of a civil authority that prohibits access to the described premises due to direct physical loss or damage to property. (i.e. Hurricane damage when you were required by authorities to evacuate.)

•Delivery Errors & Omissions: Coverage for damages or missing items at the time of delivery.

•Box &/or Hanging Storage: Coverage for customer property being stored at your location, either in boxes or hanging.

•Debris Removal: Coverage for removal of debris of covered property damaged by an insured loss.

•Employment Practices Liability (EPL): Coverage for wrongful terminations, unlawful discrimination, harassment, retaliation, & unlawful employment actions based  on religion, age, national origin, sexual orientation or preference, gender, disability, pregnancy, marital or familial status, veteran status, or other protected classification.

•Equipment Breakdown: Coverage for loss due to mechanical or electrical breakdown of  equipment.

•Money Orders & Counterfeit Money: Coverage for loss due to acceptance of money orders or counterfeit paper currency.

•Pollution Liability Coverage: Coverage for sums you become legally obligated to pay as damages because of bodily injury or property damage to which the pollution liability insurance applies.

•Water Backup or Backup of Sewers & Drains: Coverage for direct physical loss or damage to covered property caused or resulting from the back-up of water from a sewer or drain.

•Excess Legal Liability: Coverage for all sums which you become legally obligated to pay for damages due to a covered loss.

•Furriers’ Coverage: Coverage for customers’ furs & garments trimmed with fur accepted for storage in an approved storage enclosure and for which a conditional receipt is issued, at another designated storage site, in transit or at another processor’s premises.

•Data Processing Income & Extra Expense: Coverage for computers, data systems, and income lost due to loss of electronic data processing capabilities during a covered loss.

•Data Processing Equipment & Media: Coverage for direct physical loss or damage to “data processing equipment and media” owned or in the care, custody and control of the insured caused by or resulting from a covered cause of loss

•Workers Compensation: Coverage for employees who are hurt while working for  the operation.

•Umbrella: Provides additional liability coverage over and above the limits of the Primary Liability Policies.

•Flood: A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder’s property) from: Overflow of inland or tidal waters; or Unusual and rapid accumulation or runoff of surface waters from any source; or Mudflow.

The information in this glossary of insurance terms is for informational purposes only. It contains limited information on some, not all, coverages for consideration. It is not intended to provide a guide to insurance coverage under any specific insurance policy or program. All insurance policies contain conditions, limitations and or exclusions that should be carefully evaluated to a business’ specific needs.

Reprinted with permission from DLI Fabricare, November/December 2013. Carol Patton, author.