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Diaper services provide home delivery and laundering of reusable cloth diapers to individuals, hospitals and day care centers. A diaper service drops off clean diapers to clients in exchange for dirty diapers, which are washed and returned at a later time.

General Liability Insurance for Diaper Services – Since the public cannot access diaper service plants, there generally is not a risk for on-site injuries. However, there is a moderate risk of diaper service workers causing damages or losses to third parties during delivery and pick-up activities. There is a concern of Product Liability and Completed Operations risks with diaper services. If diapers are not properly cleaned and sanitized, then babies may develop skin rashes or infections as a result. Also, the use of certain detergents may cause babies to have skin irritations as well.

Workers’ Compensation Insurance for Diaper Services – If chemicals and detergents are used in diaper cleaning and disinfecting activities, there is a high risk of injury to workers’ eyes, skin and lungs. Diaper services also face the chance of diseases developing due to workers’ frequent exposure to human waste. Proper indoor ventilation systems must be used to vent away hazardous substances or fumes as required.

Business Auto Insurance for Diaper Services – The risk of an automobile accident occurring is high, since frequent activities of diaper service workers involve picking up and delivering diapers by car. Business Auto risks are increased for diaper services if inexperienced drivers operate delivery vehicles and/or deliveries are made in high traffic areas.

Property Insurance for Diaper Services – Damage or loss of property may occur if the machinery used by diaper services is not properly inspected or maintained regularly. Fire is a concern for diaper services as a result of the dryers used and the potential for overheating. There is also a chance that diapers, which are owned by the diaper service, could be lost or damaged while workers transport them between their facility and customers’ homes.