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.
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.
CoverWallet | NEXT (Best) | Thimble | Hiscox | The 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? | Yes | No | Included | Can be included | No |
Hired/non-owned auto liability coverage included? | Yes | No | No | Can be included | Can be included |
Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
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.
Most policies typically have coverage limits of $1 million per occurrence and $2 million in aggregate.
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
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.
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.
CoverWallet | NEXT | Thimble (Best) | Hiscox | The 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? | Yes | Yes | Yes | Yes | Yes |
Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
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
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.
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 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.
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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CoverWallet | NEXT (Best) | Thimble | Hiscox | The 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 signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
Business interruption floater | Excluded | Included | Included | Included | Excluded |
Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included | Excluded |
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
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.
Flood insurance–Provides coverage for damage caused by floods, which is not covered under a standard commercial property insurance
CoverWallet | Thimble (Best) | NEXT | Hiscox | The 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? | Yes | Yes | Yes | Yes | Yes |
Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
BOP discount? | Yes | Yes | Yes | Yes | Yes |
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
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.
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
NEXT | Thimble | Hiscox | The 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/$5,000 | No | Yes |
Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
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
The coverage limits of tools and equipment insurance are $2,500-$25,000 depending on which insurance company you decide to work with.
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.
As a business owner, you may need to operate vehicles to transport equipment, products, or employees. This is where commercial auto insurance comes into play, providing coverage for accidents, theft, or damage to the vehicles used in your business operations. Here are some situations where you can use commercial auto insurance:
Accidents caused by the business's vehicles–Commercial auto insurance can help cover the cost of repairs, medical expenses, and other related expenses in the event of an accident caused by the business's vehicles
Theft of the business's vehicles–If one of the business's vehicles is stolen, commercial auto insurance can help cover the cost of repairs
Damage caused by natural disasters or severe weather–Commercial auto insurance can cover damage caused by natural disasters or severe weather, such as floods, hail, or hurricanes
Damage caused by collisions–Commercial auto insurance can cover damage sustained by your vehicle after it collided with another vehicle
Legal expenses resulting from an accident–If the business is sued due to an accident involving one of its vehicles, commercial auto insurance can help cover the legal expenses associated with the lawsuit
Hired and non-owned auto coverage–Provides liability coverage for accidents caused by hired vehicles or employees while driving their vehicles for business purposes
Towing and roadside assistance coverage–Assists your business vehicles when they break down or have a flat tire while on the road
Rental reimbursement coverage–Provides reimbursement for vehicle rental expenses while your vehicle is being repaired after an accident
Excess liability insurance provides additional coverage beyond the limits of your primary liability insurance policies, such as general liability and commercial auto insurance. It can help cover the costs of legal fees, damages, and medical expenses that exceed the limits of your primary printer insurance policies.
Excess Liability Insurance policies typically start at $1 million in coverage, but coverage limits can go up to $10 million or more, depending on the needs of your business.
While excess liability insurance may be more critical for printing businesses with high-risk operations, such as those that produce large print jobs or operate heavy machinery, it can be beneficial for all printing businesses to have this additional coverage. Ultimately, investing in excess liability insurance should be based on assessing the business's unique needs and risks.
By working with a printing business insurance agent or broker, you can determine the right amount and type of insurance coverage to protect their assets and ensure they can continue operating in the face of unexpected challenges or incidents.
Workers compensation insurance is crucial for printing businesses. It protects employers financially if an employee gets injured or ill while working. This insurance is mandatory in most states and helps cover the injured employee's medical expenses, lost wages, and rehabilitation costs. Here are some of the perils covered by workers compensation insurance
Repetitive motion injuries–Printing businesses require employees to perform repetitive tasks, which can lead to injuries. Workers compensation insurance can help cover medical expenses and lost wages
Slip and falls–Employees can slip and fall while working in a printing business, leading to injuries that require medical attention
The coverage limits for workers compensation insurance vary from state to state. Employers must purchase the minimum coverage mandated by the state where they operate.
Employer's liability insurance–This coverage protects employers from lawsuits filed by employees who are injured or become ill while working. It covers legal fees, settlements, and judgments
Disability insurance–This coverage provides financial support to employees who cannot work due to a disability. It can help cover lost wages and medical expenses
Occupational accident insurance–This insurance provides financial protection to employees that workers' compensation insurance for printing companies does not cover. It can help cover medical expenses and lost wages for work-related injuries or illnesses
Workers compensation insurance is required for all employees, including full-time, part-time, and seasonal workers. Even if an employee is on a temporary or probationary basis, they are still entitled to workers comp benefits if they get injured or sick while performing their job duties.
Cost per Month | Cost per Year | Deductible | |
---|---|---|---|
General Liability Insurance | $45 | $540 | $0-$500 |
Professional indemnity insurance | $49 | $588 | $500-$1,000 |
Commercial property insurance | $92 | $1,104 | $1,000-$2,000 |
Business owner’s policy | $137 | $1,644 | $1,500 |
Tools and equipment insurance | $51 | $612 | $500-$1,000 |
Commercial auto insurance | $70 | $840 | $500-$1,000 |
Workers compensation insurance | $103 | $1,236 | $2,000-$5,000 |
The average printing business insurance cost is $45 per month or $540 per year for a $1 million general liability policy. Your actual premium depends on several factors such as the type of insurance, coverage limits, location, size of the business, and level of risk involved. Here’s a table showing the cost of a $1 million general liability insurance from companies we recommend:
Cost per Month | Cost per Year | Best for | |
---|---|---|---|
NEXT | $30 | $360 | Best overall; Fastest general liability insurance for printing businesses |
CoverWallet | $33 | $396 | Comparing printing business insurance quotes online |
The Hartford | $35 | $420 | Workers compensation insurance for printing businesses |
Tivly | $39 | $468 | Comparing printing business insurance quotes over the phone |
Thimble | $40 | $480 | Short-term insurance coverage for printing businesses |
Hiscox | $42 | $504 | Printing business insurance with automatic renewal |
Get all the best quotes from leading providers in a click of a button!
Here are some companies to consider working with. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for printing businesses
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
Established in 2016, NEXT is a technology-driven insurance provider that offers customized coverage solutions for businesses of all sizes. They work with a network of top-rated insurance carriers to provide affordable and comprehensive insurance plans.
Best for: Best overall; Fastest general liability insurance for printing businesses
Average cost: $30 per month
Our rating: 10/10
CoverWallet offers a wide range of insurance options for tour guides, including general liability, professional liability, and more
Many customers have reported positive experiences with CoverWallet's customer service team
Provides coverage for hired and non-owned vehicles used for business purposes
Offers a 30-day money-back guarantee on policies
Online-only platforms may not be suitable for those who prefer in-person interactions
CoverWallet was founded in 2015 and specializes in providing business insurance solutions for small to medium-sized businesses. They offer a user-friendly online platform that allows businesses to compare and purchase insurance policies in just a few clicks.
Best for: Comparing printing business insurance quotes online
Average cost: $33 per month
Our rating: 10/10
Hartford has extensive experience and expertise in insurance coverage for small businesses, making them a reliable choice
They offer personalized customer service and support from dedicated agents, ensuring you receive tailored advice and guidance throughout the insurance process
The company offers a range of employee benefits, including group life and disability insurance, which can be attractive to businesses looking to provide comprehensive coverage
Hartford may not be the best option for smaller printing businesses or independent contractors due to their higher pricing compared to other insurers.
The Hartford has been in business since 1810 and is one of the oldest and most respected insurance companies in the United States. They offer a range of insurance products for businesses, including printing businesses.
Best for: Workers compensation insurance for printing businesses
Average cost: $35 per month
Our rating: 10/10
Customizable coverage options to fit your business's needs
Affordable pricing options: Tivly offers competitive pricing for their insurance policies
Great customer service: Tivly has a reputation for excellent customer service, with many customers reporting positive experiences with their team
May not offer many add-on coverage options
Tivly is a digital insurance platform that provides comprehensive coverage for small businesses. It works with many reputable insurance companies to quickly cover customers. Online quoting might not be available and you have to call. Nonetheless, this is great because it allows you to intensively ask about the specifics of your policies. Call now to compare quotes over the phone.
Best for: Comparing printing business insurance quotes over the phone
Average cost: $39 per month
Our rating: 9/10
Flexible on-demand insurance policies
Easy-to-use online platform for policy management
Competitive pricing for short-term coverage
You can’t reach customer service by calling
Thimble offers on-demand insurance policies that can be purchased by the hour, day, or month. You can purchase insurance coverage for specific projects or periods rather than being locked into an annual policy.
Best for: Short-term insurance coverage for printing businesses
Average cost: $40 per month
Our rating: 8/10
Offers discounts for bundling multiple policies
Strong financial rating and stability
Provides a mobile app for easy access to your policies and information.
Offers coverage for businesses operating in multiple countries
May require a high deductible for certain types of coverage
Hiscox is a global specialist insurer founded in 1901 and has provided insurance for over 100 years. They offer a variety of insurance coverage options for small businesses. Policies you can avail from Hiscox are general liability, commercial property, BOP, and more.
Best for: Printing business insurance with automatic renewal
Average cost: $42 per month
Our rating: 8/10
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!