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Media duplication companies make copies of audio, video and data onto compact discs, VHS tapes, cassette tapes, DVDs and other forms of media for their customers. They may make duplicate copies of audio or video using the same format, or transfer media from one format to another, such as from VHS tapes to DVDs. They may complete small orders for individuals, handle large orders for companies, or both.

General Liability Insurance for Media Duplication – Media duplication businesses should practice good housekeeping to prevent customer trips and falls. All wiring from media equipment and computers should be properly managed to prevent trip and fall accidents. If services are provided to customers while they wait, a waiting area should be provided with furniture that is sturdy and free of defects. Parking lots, sidewalks, and other outdoor pathways should be free of holes and uneven areas.

Workers’ Compensation Insurance for Media Duplication – Employees of media duplication businesses may be injured from electrical shocks from the use of the media equipment. Repetitive motion injuries may also be a concern. The overall workers’ compensation exposures for media duplicators should be minimal.

Business Auto Insurance for Media Duplication – The overall business auto exposure for media duplication businesses will be lower if most clients travel to the business premises. However, business travel may include an occasional errand to the bank, post office, or supply store. Risks will be lower if MVRs are run for all drivers.

Property Insurance for Media Duplication – Fire risks can be reduced if all media equipment is maintained and inspected often for faulty wiring or improper working order. Extension cords should be prohibited and circuits should not be overloaded with too many machines plugged into any one outlet. The age and construction type of the media duplication building will impact fire risks. Buildings older than 20 years should be updated with new wiring and electrical systems. If buildings are constructed of fire restive materials, the risk of fire will be decreased. Specialized Inland Marine coverage may be needed to cover the media equipment and personal property of others.

Crime Insurance for Media Duplication – Employee theft and dishonesty may be a concern for media duplicators. Employees may steal equipment or money from their employer or media and information from their clients. Internal audits should be performed frequently and irregularly in order to reduce employee theft. Procedures should also in place to ensure the confidentiality of client’s information. Robbery and burglary risks should be minimal, but central station alarm systems and frequent bank drops will further reduce the risk.