Printers and publishers produce materials that are used on a daily basis, but the production of these written materials comes with certain risks. From common liability and property risks to others that are more specialized, these businesses are exposed to multiple potential perils. Printers insurance helps protect Massachusetts businesses that are involved in the production of written materials form many of the risks they face.
Printers insurance is a form of commercial insurance that’s been specifically adapted to meet the risk mitigation needs of printers, publishers and similar businesses. These policies are normally written as package policies, which means they combine several coverages together to provide robust protection.
Most businesses that are engaged in the production of written materials can benefit from the protections afforded by printers and publishers insurance. This may include:
Newspapers and periodicals
Book publishers of all sizes
Direct mail marketing agencies
Greeting card producers
This isn’t a comprehensive list, and there are still lots of other businesses that might want a printers and publishers policy. Any business that’s unsure whether this insurance is appropriate can speak with an insurance agent who specializes in these policies. A knowledgeable agent will be able to make an informed coverage recommendation after reviewing a business’ unique situation.
While the protections that a particular printers and publishers insurance policy offers can vary, there are many coverages that policies frequently make available. Most of these can be grouped into either property or liability protections, but some fall outside of these two categories.
The property-related protections that a policy might offer can include:
Business Property Coverage, which may cover company-owned building, supplies and equipment
Equipment Breakdown Coverage, which may cover malfunctions of essential equipment
The liability-related protections that a policy might offer can include:
Commercial General Liability Coverage, which may cover certain common accidents that result in third-party injury or property damage
Cyber Liability Coverage, which may cover data breaches and online attacks that compromise sensitive information
Directors and Officers Liability Coverage, which may cover certain claims filed against business leaders over their actions
Publishers Liability Coverage, which may cover professional mistakes that negatively impact a client or customer
Media Perils Coverage, which may cover defamation, invasion of privacy, plagiarism and some other claims
Commercial Umbrella Coverage, which may provide additional liability protection
In addition to these, businesses may also need commercial auto coverage, business interruption coverage and other protections. An agent can help publishers explore all of the coverages options that a policy offers and select the ones that are right for their business.
Most publishers have employees and thus, are required by state law to carry workers compensation coverage. Workers compensation usually insures against on-the-job injuries and illnesses that employees sustain, and Massachusetts requires the vast majority of businesses that have employees to carry the coverage.
Workers compensation isn’t always available through a printers and publishers insurance policy, however. Instead, it’s often purchased separately via a policy that provides this one protection and stands on its own. An agent who assists with printers and publishers policies can also likely help find a workers compensation policy.
For help finding printers insurance, contact the independent insurance agents at Roger Keith & Sons Insurance. Our agents have worked with many printers and publishers in Massachusetts, and they have the expertise necessary to get your business a policy that meets its needs.