Insuranks
Insuranks

Publisher 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. General Liability Insurance for Publishers1.1. Add-Ons of General Liability Insurance for Publishers1.2. Coverage Limits of General Liability Insurance for Publishers1.3. Can General Liability Insurance Protect My Publisher Business from Social Media Risks?2. Professional Liability Insurance for Publishers2.1. Add-Ons of Professional Liability Insurance for Publishers2.2. Coverage Limits of Professional Liability Insurance for Publishers2.3. What is Publisher Errors and Omissions Insurance?3. Media Liability Insurance for Publishers3.1. Coverage Limits of Media Liability Insurance for Publishers3.2. Is Media Liability Insurance Important for Publishers?4. Commercial Property Insurance for Publishers4.1. Add-Ons of Commercial Property Insurance for Publishers4.2. Coverage Limits of Commercial Property Insurance for Publishers4.3. Will Commercial Property Insurance Cover All Events I Might Face?5. Business Owner’s Policy for Publishers5.1. Add-Ons of Business Owner’s Policy for Publishers5.2. Coverage Limits of Business Owner’s Policy for Publishers6. Tools and Equipment Insurance for Publishers 6.1. Add-Ons of Tools and Equipment Insurance for Publishers6.2. Coverage Limits of Tools and Equipment Insurance for Publishers7. Workers' Compensation Insurance for Publishers7.1. Are Benefits from Workers’ Compensation Insurance Subject to Federal Taxes?7.2. Are Medical Benefits Available to My Employees Immediately?8. Excess Liability Insurance for Publishers8.1. Coverage Limits of Excess Liability Insurance for Publishers8.2. Is the Publishing Industry a High-Risk Industry Where Excess Liability Insurance Can Be Very Useful?9. Publisher Insurance Cost10. Best Publisher  Insurance Companies10.1. NEXT Publisher Insurance  10.1.1. Pros10.1.2. Cons10.2. The Hartford Publisher Insurance 10.2.1. Pros10.2.2. Cons10.3. CoverWallet Publisher Insurance 10.3.1. Pros10.3.2. Cons10.4. Tivly Publisher Insurance 10.4.1. Pros10.4.2. Cons10.5. Thimble Publisher Insurance 10.5.1. Pros10.5.2. Cons10.6. Hiscox Publisher Insurance 10.6.1. Pros10.6.2. Cons

Did you know that the global book publishing market is worth more than $90 billion? The Association of American Publishers (AAP) found that copyright industries employed nearly 4% of the entire US workforce in 2019. 

With publishers making up a significant part of the economy, they must be vigilant to protect their interests against liability and other damage claims. As a publisher, one of the best ways to protect your business is through the use of publisher business insurance.

You never know when something can go wrong. For one, the printing company you’re working with might file a lawsuit for breach of contract. Workplace accidents can also happen and employees might ask for compensation. Of course, let’s not forget that the writers you’re helping out might become disgruntled. 

In this article, we will examine common topics and questions that you might have about business insurance for publishers.

General Liability Insurance for Publishers


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 can help you pay for expenses related to third-party claims involving injury and property damage. Some example events include:

  • Someone walks into your publishing office and cuts their arm on an exposed piece of equipment, requiring medical treatment

  • When one of your employees is helping a client, they accidentally damage the client’s personal laptop


Add-Ons of General Liability Insurance for Publishers

Many insurers will allow you to customize your policy further through the use of add-ons or endorsements. Some add-ons to this publishers liability insurance include:

  • Product liability–Adds financial protection for your business products or items if they cause property damage or bodily injury

  • Cyber liability–Helps your business respond to cyber-attacks and data breaches and protect its reputation


Coverage Limits of General Liability Insurance for Publishers

The general liability coverage included in your publishing insurance package  typically has a $1 million to $2 million per occurrence and aggregate limit.


Can General Liability Insurance Protect My Publisher Business from Social Media Risks?

Yes, typically, general liability insurance will feature injury protection against lawsuits involving libel, invasion of privacy, slander, and copyright infringement. If you write something on social media, you are generally covered by these perils. To be safe, you may also want a media liability insurance policy to get you more protection in the media environment.


Professional Liability Insurance for Publishers


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


Use professional liability insurance for web publishers and book publishers as protection from lawsuits and claims filed due to your mistakes or negligence. Some examples to look at include:

  • Your business makes a miscalculation in the commercial direction of the magazine content that causes a client to lose money

  • An oversight in your business process allows clients to receive bad advice, which costs them financial damage


Add-Ons of Professional Liability Insurance for Publishers

  • Excess liability–Gives you a boost to your policy's coverage limit so you can cover financially devastating events

  • Extended reporting period–Gives you more time to file claims, even past when your policy is set to expire


Coverage Limits of Professional Liability Insurance for Publishers

The professional liability coverage of your publishing insurance package will have $1 million per occurrence and $1 million aggregate limit. 


What is Publisher Errors and Omissions Insurance?

Publishers errors and omissions insurance is another name for professional liability insurance. It will cover the same types of liabilities, including things like missed deadlines, undelivered services, and breach of contract.


Media Liability Insurance for Publishers

Media liability insurance protects your business against claims that content you have published has harmed someone financially through claims like copyright infringement and defamation. Example situations include:

  • A book you helped publish defamed a person in the story who sues you for damages

  • One of the magazines you helped publish stole work from a competitor, who sued you for copyright infringement


Coverage Limits of Media Liability Insurance for Publishers

This type of insurance for internet publishers will have a coverage limit of in a range between $500,000 and $1 million. These limits are available at higher levels for bigger publishers and more expensive policies.


Is Media Liability Insurance Important for Publishers?

Yes, because media liability insurance protects businesses that disseminate media content, it is an essential pickup for publishers who deal with claims like plagiarism, unfair competition, technological activities, and published content.

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Commercial Property Insurance for Publishers


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 is an excellent addition to your book publishing insurance package because it helps you pay for damages to your business property. Below are a few situations this policy can come in handy.

  • Someone starts a fire in your business building that damages some equipment you need for your daily operations

  • A vandal throws bricks through your office window


Add-Ons of Commercial Property Insurance for Publishers

  • Earthquake protection–Protects your property from earthquake damage, mudslides, and landslides

  • Outdoor signs–Helps protect any signs you may use to advertise your publishing business located outside your business property


Coverage Limits of Commercial Property Insurance for Publishers

A typical commercial property coverage limit for publishers will be around $60,000.


Will Commercial Property Insurance Cover All Events I Might Face?

No. In fact, there are many kinds of weather events that insurers will typically exclude. Earthquakes, hurricanes, floods, and other forms of natural disasters will require additional coverage.


Business Owner’s Policy for Publishers


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


You will want a business owner’s policy for your publishing business because it conveniently combines multiple forms of coverage together. It will bundle commercial property and general liability into one policy. Example coverage includes:

  • A customer injures themselves and damages your property at the same time.

  • A thief breaks into your publishing office and steal some of your electronics


Add-Ons of Business Owner’s Policy for Publishers

  • Inland marine–Adds protection for your tools and equipment when they are being transported over land, like by a truck or train

  • Employment practices–Protest your business from employee claims of wrongful termination, discrimination, and workplace harassment


Coverage Limits of Business Owner’s Policy for Publishers

Your business owner’s policy can have a coverage limit of $1 million for general liability claims and around $50,000 for commercial property claims.