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Photo Finishing Labs develop clients' film into photos and perform other services such as photo touch-ups, enlargements and slide making. They complete jobs for businesses and for the general public.

General Liability Insurance for Photo Finishing Labs – Customer confidentiality should be enforced. In order to prevent Cyber Liability claims, customers’ private information should be secured when photo finishing is offered on the Internet. Store fixtures and displays at photo finishing labs should be secure to avoid tip over hazards. They should be free of any sharp edges or points as wells as any other defects that could result in injury. All tripping hazards should be immediately corrected. Floors should be swept, mopped, and or vacuumed after hours to prevent slip and fall risks. All wiring from photo finishing equipment should be properly managed to prevent trip and fall accidents.

Workers’ Compensation Insurance for Photo Finishing Labs – Employees of photo finishing labs are subject to skin and eye irritations when handling hazardous chemicals. Training should be provided for all chemicals that require Material Data Safety Sheets (MSDS) to inform employees on the risks and how to respond to exposures. MSDS should be available for quick reference for any hazardous chemical that is used in the photo finishing process. Other potential injuries include slips, trips, and falls that can be prevented by maintaining a clean and clutter free environment.

Business Auto Risks for Photo Finishing Labs – If the photo finishing lab delivers printed pictures to stores, the business auto risks will be increased. The radius and frequency of photo delivery will affect the auto risks. A driver recruitment policy should be in place with MVRs run prior to allowing driver status. Annual MVR checks should also be required of all drivers. A vehicle inspection and maintenance program should be in place for all company owned vehicles.

Property Insurance for Photo Finishing Labs – Photo finishing labs should insure their photo processing equipment, computers, and the property of others with Inland Marine coverage. Electrical systems should be adequate for usage and up to date. The chemicals used in photo processing should be properly used and stored away from the main operation to reduce fire risks. Photo processing equipment should be regularly inspected and serviced in order to reduce the risk of fire.

Crime Insurance for Photo Finishing Labs – Robbery risks can be reduced for photo finishing labs, if cash registers are located away from the entrances and the amount of cash kept in the cash registers is limited. Cash, checks, and credit card receipts should be dropped into a fire and theft proof safe until the daily bank deposit is made. Bank deposits should be made at different times to prevent robbers from noticing a pattern.