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

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


CoverWallet NEXT (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?No YesYesCan 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


CoverWallet NEXTThimble (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 receivableExcludedExcluded$5,000/10,000IncludedExcluded
Money and securitiesExcluded$2,500$1,000IncludedExcluded
Lock and keysExcluded$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)NEXTHiscoxThe 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


NEXTThimbleHiscoxThe 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.


home work station


Commercial Auto Insurance for Printing Businesses

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


Add-Ons to Commercial Auto Insurance for Printing Businesses

  • 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 for Printing Businesses

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.


Coverage Limits Excess Liability Insurance for Printing Businesses

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.


Is Excess Liability Insurance Necessary for All Printing Businesses or Only for Those With High-Risk Operations?

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 for Printing Businesses

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


Coverage Limits of Workers Compensation Insurance for Printing Businesses

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.


Add-Ons to Workers Compensation Insurance for Printing Businesses

  • 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


Is Workers Compensation Insurance Only Required for Full-Time Employees?

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.

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 Printing Business Insurance Cost


Cost per MonthCost per YearDeductible
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 MonthCost per YearBest for
NEXT$30$360Best overall; Fastest general liability insurance for printing businesses
CoverWallet$33$396Comparing printing business insurance quotes online
The Hartford$35$420Workers compensation insurance for printing businesses
Tivly$39$468Comparing printing business insurance quotes over the phone
Thimble$40$480Short-term insurance coverage for printing businesses
Hiscox$42$504Printing business insurance with automatic renewal

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Best Printing Business Insurance Companies 

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. 


NEXT Printing Business Insurance

Pros

  • 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 

Cons

  • 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 Printing Business Insurance

Pros

  • 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

Cons

  • 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


The Hartford Printing Business Insurance 

Pros

  • 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

Cons

  • 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


Tivly Printing Business Insurance

Pros

  • 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

Cons

  • 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


Thimble Printing Business Insurance

Pros

  • Flexible on-demand insurance policies

  • Easy-to-use online platform for policy management

  • Competitive pricing for short-term coverage 

Cons

  • 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


Hiscox Printing Business Insurance

Pros

  • 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

Cons

  • 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




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