Insuranks
Insuranks

Printing Business Insurance: Cost & Quotes From $25/mo

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Table of contents
1. What Insurance Do You Need for Your Printing Business?2. General Liability Insurance for Printing Businesses2.1. Coverage Limits of General Liability Insurance for Printing Businesses2.2. Add-Ons to General Liability Insurance for Printing Businesses2.3. How Can I Determine How Much General Liability Insurance I Need for My Printing Business?2.4. Is General Liability Insurance Enough to Protect My Printing Business From All Risks?3. Professional Indemnity Insurance for Printing Businesses3.1. Coverage Limits of Professional Indemnity Insurance for Printing Businesses3.2. Add-Ons to Professional Indemnity Insurance for Printing Businesses:4. Media Liability Insurance for Printing Businesses5. Coverage Limits of Media Liability Insurance for Printing Businesses6. Commercial Property Insurance for Printing Businesses6.1. Coverage Limits of Commercial Property Insurance for Printing Businesses6.2. Add-Ons to Commercial Property Insurance for Printing Businesses:7. Business Owner’s Policy for Printing Businesses7.1. Coverage Limits of Business Owner’s Policy for Printing Businesses7.2. Add-Ons to Business Owner’s Policy for Printing Businesses8. Tools and Equipment Insurance for Printing Businesses 8.1. Coverage Limits of Tools and Equipment Insurance for Printing Businesses8.2. Can I Include Leased or Rented Equipment in My Tools and Equipment Insurance Policy?9. Commercial Auto Insurance for Printing Businesses9.1. Add-Ons to Commercial Auto Insurance for Printing Businesses10. Excess Liability Insurance for Printing Businesses10.1. Coverage Limits Excess Liability Insurance for Printing Businesses10.2. Is Excess Liability Insurance Necessary for All Printing Businesses or Only for Those With High-Risk Operations?11. Workers Compensation Insurance for Printing Businesses   11.1. Coverage Limits of Workers Compensation Insurance for Printing Businesses11.2. Add-Ons to Workers Compensation Insurance for Printing Businesses11.3. Is Workers Compensation Insurance Only Required for Full-Time Employees?12.   Printing Business Insurance Cost 13. Best Printing Business Insurance Companies 13.1. NEXT Printing Business Insurance 13.1.1. Pros13.1.2. Cons13.2. CoverWallet Printing Business Insurance 13.2.1. Pros13.2.2. Cons13.3. The Hartford Printing Business Insurance  13.3.1. Pros13.3.2. Cons13.4. Tivly Printing Business Insurance 13.4.1. Pros13.4.2. Cons13.5. Thimble Printing Business Insurance 13.5.1. Pros13.5.2. Cons13.6. Hiscox Printing Business Insurance 13.6.1. Pros13.6.2. Cons

Are you a printing business owner looking for the right insurance coverage to protect your company? With business insurance for printers, you can safeguard your company against potential liabilities when the contract with publishers goes awry, deadlines are missed ,or when workplace accidents happen.

As a printing business owner, you know the importance of fully covering your business in unpredictable circumstances. Read on to learn more about the different types of insurance coverage available and find the perfect policy to meet your printing business's unique needs.

What Insurance Do You Need for Your Printing Business?

When running a printing business, adequate insurance coverage is essential to protect against unexpected accidents and losses. As a printing business owner, it's crucial to have printing business insurance that can cover your industry's unique risks and liabilities. This may include tools and equipment, general liability, commercial property, and other types of insurance for printing companies we will discuss below.


General Liability Insurance for Printing Businesses


CoverWalletNEXT (Best)ThimbleHiscoxThe Hartford
Per occurrence limit$1,000,000$1,000,000$1,000,000/$2,000,000$2,000,000$1,000,000/$2,000,000
Aggregate limit$2,000,000$2,000,000$1,000,000/$2,000,000$2,000,000$1,000,000/$2,000,000
Products and completed operations aggregate limit$2,000,000

$1,000,000$2,000,000$1,000,000$1,000,000
Advertising injury coverage aggregate limit$1,000,000$1,000,000$2,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit
$300,000/$1,000,000
$300,000$100,000$100,000$1,000,000
Waiver of subrogation included?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoNoCan be includedCan be included
Equipment breakdown floater included?NoYesYesCan be includedCan be included
Can you get a certificate of insurance online?YesYesYesYesYes
Name additional insureds?YesYes
YesYesYes
Deductible$0$0$0$0$0


General liability insurance is one of the most important types of insurance for any business, including printing businesses. This print shop insurance policy covers third-party bodily injury, property damage, and advertising injury claims.


Coverage Limits of General Liability Insurance for Printing Businesses

Most policies typically have coverage limits of $1 million per occurrence and $2 million in aggregate.


Add-Ons to General Liability Insurance for Printing Businesses

  • Printers (E&O) insurance provides coverage for professional mistakes or negligence made by your business, such as an error in a print job or a missed deadline

  • Cyber liability insurance covers cyber risks, such as data breaches or cyber-attacks


How Can I Determine How Much General Liability Insurance I Need for My Printing Business?

The amount of general liability insurance you need for your printing business depends on various factors, including the size, the number of employees, the type of printing services you offer, and the perceived risks associated with your business. But to give you a quick idea, you’ll need a $1 million-$2 million general liability insurance.


Is General Liability Insurance Enough to Protect My Printing Business From All Risks?

While general liability insurance provides essential coverage for your printing business, it may not be enough to cover all the risks your business faces. You may need additional business insurance for printers, depending on the specific risks associated with your operations.


Professional Indemnity Insurance for Printing Businesses


CoverWalletNEXTThimble (Best)HiscoxThe Hartford
Per occurrence limit$1,000,000$1,000,000$1,000,000/$2,000,000$1,000,000$1,000,000
Aggregate limit$2,000,000$2,000,000$1,000,000/$2,000,000$1,000,000$2,000,000
Name additional insureds?YesYesYesYesYes
Waiver of subrogation included?YesNoYesCan be includedNo


As a printing business owner, it's important to protect yourself from potential legal liabilities arising from mistakes or negligence. This is where professional indemnity insurance comes in handy. Printers professional indemnity insurance, or e&o insurance, protects against legal liabilities arising from errors, omissions, or negligence in providing professional services. Here are some situations where this insurance can help:

  • Accidentally publishing copyrighted material without permission

  • Miscommunication leading to misprinted materials

  • Damages from inaccurate advice provided to clients

  • Failing to meet client expectations


Coverage Limits of Professional Indemnity Insurance for Printing Businesses

The coverage limit for professional indemnity insurance for printing businesses varies depending on the insurer and the specific policy. However, coverage limits generally range from $100,000 to $2,000,000.


Add-Ons to Professional Indemnity Insurance for Printing Businesses:

  • Abuse and molestation coverage–Protects against claims of physical, emotional, or sexual abuse or harassment

  • Cyber liability coverage–Protects against cyberattacks, data breaches, and other technology-related risks

  • Extended reporting period–Extends the reporting period of a policy, which is useful for printing businesses that may not realize they need coverage until after a project is completed


Media Liability Insurance for Printing Businesses

Media liability insurance essential for printing businesses that deal with various media types, including digital, print, and audiovisual content. This insurance protects your business from claims of defamation, invasion of privacy, copyright infringement, and other media-related risks.


Coverage Limits of Media Liability Insurance for Printing Businesses

The coverage limit for media liability insurance depends on the media type and the size of your business. Coverage typically ranges from $1 million to $5 million.

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Commercial Property Insurance for Printing Businesses


CoverWalletNEXT (Best)ThimbleHiscoxThe Hartford
Building coverage limit (minimum)$50,000$260,000$25,000/$500,000$25,000$60,000
Contents coverage limit (minimum)$50,000$22,000$25,000/$500,000$25,000$60,000
Outdoor signsExcluded$2,500ExcludedExcludedExcluded
Accounts receivable ExcludedExcluded$5,000/10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded
Lock and keys Excluded$2,500ExcludedExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncludedExcluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500IncludedExcluded


Commercial property insurance covers your business's physical assets, including the building and equipment, in case of damage or loss due to covered events. Here are some situations where this policy can help:

  • Fire or lightning damage to your building or equipment

  • Water damage caused by burst pipes or storms

  • Damage caused by theft, vandalism, or other criminal activity

  • Damage caused by falling objects, such as trees or construction debris

  • Business interruption due to covered events


Coverage Limits of Commercial Property Insurance for Printing Businesses

Commercial property coverage limits vary, but the standard limit is $50,000-$500,000. However, coverage limits may be customized to fit the specific needs of your printing business.


Add-Ons to Commercial Property Insurance for Printing Businesses:

  • Flood insurance–Provides coverage for damage caused by floods, which is not covered under a standard commercial property insurance


Business Owner’s Policy for Printing Businesses


CoverWalletThimble (Best)NEXT HiscoxThe Hartford
General liability aggregate limit $2,000,000$2,000,000$2,000,000$300,000$1,000,000/$2,000,000
Commercial property coverage limit $50,000$500,000$260,000$25,000$75,000
Optional policies can be added?YesYesYesYesYes
Name additional insureds for free?YesYesYesYesYes
BOP discount?YesYesYesYesYes


A business owner’s policy (BOP) can be a wise investment if you run a printing business. It combines several types of coverage into one policy, typically including general liability, property insurance, and other types of printing business insurance . Common perils that BOP covers are:

  • Property damage–If your equipment or property is damaged due to a covered event, such as a fire, storm, or theft, your BOP can cover the cost of repairs or replacement

  • Bodily injury–If a customer or visitor is injured on your business premises, your BOP can cover their medical expenses and legal fees if they sue


Coverage Limits of Business Owner’s Policy for Printing Businesses

The coverage limits of a BOP range from $1 million-$4 million for the general liability coverage and $25,000-$50,000 for the commercial property coverage. 


Add-Ons to Business Owner’s Policy for Printing Businesses

  • Data breach coverage–If your printing business experiences a data breach or cyberattack, this add-on can help cover the costs associated with notifying affected customers, restoring data, and defending against lawsuits

  • Printers E&O insurance is particularly important for printing businesses that offer design or prepress services, as errors in these areas can have significant financial consequences for clients


Tools and Equipment Insurance for Printing Businesses 


NEXT ThimbleHiscoxThe Hartford
Aggregate limit$3,000/$10,000$2,500/$5,000$15,000/$25,000$5,000-$10,000
Covers hired and borrowed equipment?$3,000/$10,000$2,500/$5,000NoYes
Miscellaneous equipment also covered?$5,000/$10,000NoYesYes
Offered as an endorsement to general liability insurance?YesYesYesYes
Deductible$500$500$0$0


If you own a printing business, tools and equipment insurance can provide valuable protection against losses or damages to your printing equipment, tools, and supplies. 

Your printer is essential to your daily operations, making it important to have the proper printing business insurance coverage to safeguard against unexpected events. Tools and equipment insurance will help when business equipment gets damaged or lost due to:

  • Theft

  • Vandalism

  • Upset

  • Electrical breakdown

  • User error


Coverage Limits of Tools and Equipment Insurance for Printing Businesses

The coverage limits of tools and equipment insurance are $2,500-$25,000 depending on which insurance company you decide to work with. 


Can I Include Leased or Rented Equipment in My Tools and Equipment Insurance Policy?

Yes, in most cases, you can include leased or rented equipment in your tools and equipment insurance policy. However, checking with your printing company insurance provider is important to ensure that leased or rented equipment is included in your policy. Some insurance companies may even have specific requirements or limitations on the types of equipment that can be covered.