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Publishers create and gather content for publication in a variety of print media outlets. They gather and compile all text and images for their products and develop their design using computer software. The finished product is then sent to an outside company for printing. Common publishing companies include magazine publishers, book publishers and newspaper publishers, but they may also produce manuals, pamphlets and brochures, to name a few.

General Liability Insurance for Publishers with no Printing – The public is generally not allowed in publishers’ offices, so premises liability is light. Good housekeeping measures should be in place, however, to ensure cleanliness and organization in order to prevent hazardous conditions to visitors. These publishers could also be liable for the materials they publish should they inflict harm upon others.

Workers’ Compensation Insurance for Publishers with no Printing – The primary Workers’ Compensation risks for publishers with no printing are injuries related to repetitive motions, such as writing and typing. Publishers and their employees should use correct positioning and posture while working at their desk in addition to ergonomically designed aids for reducing injuries.

Business Auto Insurance for Publishers with no Printing – Employees may drive their own vehicles or hired vehicles for business purposes and this poses a risk of automobile accidents. If most clients travel to the publishers’ (with no printing) premises, then the overall exposure will be lower for automobile accidents.

Property Insurance for Publishers with no Printing – Theft may be a concern for publishers since a number of computers are typically used on-site. The risk of a fire is typically the same as in any other office. Wiring and electrical systems should be updated in buildings over 20 years of age in order to reduce the risk of fire. Valuable materials that should be copied and kept off-site include manuscripts and documents stored on computers.

Crime Insurance for Publishers with no Printing – Employees could create fraudulent vendors and have money siphoned into those accounts if a systematic checks and balances program is not in place for publishers with no printing. Pre-employment screening should include detailed applications, reference and background checks. In addition, ordering, billing and disbursement activities must be kept separate in order to deter employee theft.