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Printing Industry Insurance
Including Insurance for Printers and Publishers
You have come to the right place if you are a publisher of any size—authors, self-publishers, multiple title, small, book, magazine, e-zine, newspaper, trade, directory, music, greeting cards & calendar, electronic (Internet), print-on-demand, e-book or audiobook—seeking publishers liability insurance or other basic coverages for your business.
Why You Need Publishers Liability Insurance
Not sure why you should consider buying publisher's liability insurance? Well, read these claim examples.
The owner of a copyright to a celebrity's songs alleged infringement of copyright because of the book publisher's unauthorized distribution of tapes. Verdict and defense costs were $116,000. Insurance needed: Publishers liability which provides coverage for infringement of copyright.
A newspaper publisher was sued for defamation of character as a result of a prank carried out by an employee of the newspaper who included a two-word expletive after the plaintiff's name. The employee states that he meant to remove the expletive prior to publication. This did not happen. Plaintiff has filed suit. Insurance needed: Publisher's liability which provides coverage for defamation of character.
An audio publisher was sued for trade dress infringement when his new audio book used a similar color and scheme pattern to that of a major competitor. The case was settled for $25,000. Insurance needed: Publisher's liability which provides coverage for trade dress infringement.
The professionals we insure include (but are not limited to):
- Commercial Printers
- Newspaper Publishers
- Periodical Publishers
- Book Publishers
- Music Publishers
- Audiobook Publishers
Printing Industry Insurance Options
Publisher Professional Liability Insurance
This coverage pays for damages you are legally obligated to pay as a result of your negligent acts or errors in providing printing services. For example, printing the wrong dates on an ad for a company's big sale which results in your customer's loss of revenue from the sale. This coverage can help you recover from a variety of potentially costly situations, including:
- Damage to property of others, while it's in your care
- Cost to correct a subcontractor's work, if you're held legally liable to pay damages
- Cost to recover incorrect or deficient materials that have already been distributed
- Cost of postage paid, where the postage was properly applied to a job that you originally printed and mailed, but unfortunately contained printing errors
- Correction of work is an optional extension of coverage which pays the insured's own cost to reprint a job that contained errors
General Liability Insurance
Unfortunately for every business owner, the chances of getting sued have dramatically increased. A general liability insurance policy that is designed for publishers can prevent a legal suit from turning into a financial disaster by providing insurance protection in case your business is ever sued or held legally responsible for some injury or damage.
Workers Compensation Insurance for Printers/Publishers
Workers Compensation Insurance is designed to help printing industry companies pay benefits to employees who are injured on the job. In most states, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Inland Marine Insurance
Any printer who regularly moves expensive materials, equipment, or supplies from one job site to another job site should have some type of inland marine insurance. This way, in the event of an accident, the goods or materials being shipped are protected separately from your auto policy.
An umbrella insurance policy plugs holes in your existing coverage. It provides additional protection that kicks in when the primary publishers insurance coverage has been exhausted.