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These businesses create and gather content for publication in print media outlets and print their products using in-house printing operations. These include publishers of books, magazines, newspapers, pamphlets, brochures and manuals. Besides printing, their tasks may include creating content for their publications, editing, creating and selling advertisements, distribution, and, depending on their product, other functions such as bookbinding.

General Liability Insurance for Publishers with Printing Operations – Premises liability is low since the public usually does not have access to the publisher’s office. There is a possibility of a lawsuit if the content published by the business inflicts harm upon others. Publishers with printing operations should exercise caution in its operations in an attempt to not cause harm to the client or any third parties. In addition, publishers must properly dispose of inks, solvents and chemicals and avoid spills in order to prevent damaging the environment.

Workers’ Compensation Insurance for Publishers with Printing Operations – Workers’ Compensation risks in publishers with printing operations involve injuries due to use of heavy equipment, exposure to chemicals and repetitive motions such as typing. Training should be provided to teach proper operation of the printing and publishing equipment.

Business Auto Insurance for Publishers with Printing Operations – Publishers with printing operations have a concern of automobile accidents only if they use owned, non-owned or hired vehicles for business purposes. Business travel may result from employees of publishing and printing companies running errands to the post office, bank or supply stores.

Property Insurance for Publishers with Printing Operations – Since printers are on the premises of these businesses, fire is a concern due to the hot machinery, flammables and solvents. Electrical equipment should be up to date and all older equipment should be replaced. Theft is also a possibility for publishers with printing operations due to the valuable equipment on hand.

Crime Insurance for Publishers with Printing Operations – The primary crime concern for publishers with printing operations is dishonest employees who may commit crimes of fraud and theft at work. The usual safeguards and controls should be implemented such as a countersignature requirement, separation of those who reconcile bank statements from deposit and withdrawal, and a mandatory one-week vacation for all who disburse payments.