What type of policy would most likely be used by a dry cleaner?

A dry cleaner would most likely use a Bailey insurance or inland marine policy because this type of insurance specifically covers goods in transit and personal property that is in the care of the dry cleaner, such as clothing and textiles. This policy is tailored to businesses that handle customers' property, making it essential for protecting the items they clean or process.

The Bailey insurance policy is particularly relevant for businesses that operate on a premises-operator basis, as it addresses the unique risks associated with handling clients' items, which may become damaged or lost. This coverage ensures that the dry cleaner is financially protected against potential claims from clients regarding their belongings.

While general liability insurance is important for covering third-party bodily injury and property damage, it does not provide the specific protection for items being cleaned or stored. Homeowner's insurance is designed for residential properties and personal belongings, making it unsuitable for a business operation like a dry cleaner. Workers' compensation insurance is essential for protecting employees in the event of work-related injuries, but it does not cover the items being serviced by the business. Thus, the Bailey insurance or inland marine policy is the most appropriate choice for a dry cleaner.