Digital Print Shop Insurance

Digital Print Shop Insurance 101

Get the facts on business insurance.

Printing photo banner on large format color plotter in print house printshop. Find digital print shop insurance.

Digital print shops specialize in printing custom large-format, high-resolution graphic materials such as billboards.

Like all other commercial printers, digital print shops need to understand their business risks and purchase business insurance to protect their business from those risks. Digital print shop insurance can help you protect all aspects of your business, including your customers, your employees, and your property and equipment.  

An independent insurance agent can help you find tailored digital print shop insurance.

Why Do You Need Digital Print Shop Insurance?

Anyone visiting your premises to discuss a project or make a delivery can get injured in a simple trip and fall incident, or worse.

In addition, your printing environment is dangerous for your employees, and the variety of vinyls, inks, and other flammables make your business highly susceptible to fire and significant damage. And your printing presses and other machines can injure your workers.

What’s more, the machines themselves can malfunction or break down and take a serious bite out of your productivity as a result.

That’s why you need digital print shop insurance. It helps you cover the costs related to property losses, negligence claims, and lawsuits.

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What Does Liability Insurance Cover?

You can protect your operations, products, and customers with a variety of business liability policies designed for digital print shops. These policies help you pay for third-party damage as well as legal fees, settlements, and judgments if you’re sued for some type of negligence.

  • Commercial general liability (CGL) insurance: This coverage is necessary for occasions in which your business is negligent and causes bodily injury or property damage to a third party.
  • Cyber liability insurance: A virus, hacker, or a glitch in your computer system can wreak havoc on your digital printing business. When clients, employees, vendors, or others have their sensitive data compromised, you’re responsible for paying for much of the damage, and you may also be sued. Cyber liability insurance protects you from the risks associated with cyberattacks, data breaches, viruses, and other cyber-related issues.
  • Environmental liability insurance: The inks and solvents that you use in the printing process could be toxic and may contaminate the air, ground, or water if they are not handled properly. Environmental liability insurance covers a variety of pollution exposures.
  • Commercial auto insurance: Covers your vehicle fleet and drivers in the event of an accident or other vehicle damage that occurs. Commercial auto insurance provides coverage for property damage and bodily injury liability claims, vehicle damage, and medical bills, as well as any costs related to lawsuits due to auto accidents involving your vehicle fleet.
  • Commercial umbrella insurance: Commercial umbrella insurance kicks in when the limits of your other applicable insurance policies have been exhausted, protecting you in the event that a claim exceeds the amount of coverage available from any other applicable policy.

These digital print shop liability policies can be customized for your unique needs.

What Is Printers and Publishers Professional Liability Insurance?

The items that you print may be seen by thousands of people on a daily basis. Everything has to be perfect, from the message to the colors, images, and text. Whether you produce billboards or other large-format printed items, everything you print must be delivered on time and error-free.

If you make a mistake or fail to deliver an item as promised, it could lead to a financial loss for your client.  As a result, you could be accused of negligence and sued.

Printers and publishers professional liability insurance is a special type of errors and omissions insurance designed for commercial printers and publishers of all kinds. It protects you if you make a mistake or an error during the printing process or if you fail to deliver products as promised (such as missing a deadline or delivering a printed item with an error).

In these cases, your professional liability insurance may cover the costs of any legal action against you, even if the claims are unfounded. It can also protect you from accusations of copyright infringement, defamation, libel, and slander.

Some policies may also cover the costs to remove or destroy the erroneous work as well as cover the costs associated with re-printing it.

Do You Need Special Protection for Graphic Designers?

You likely employ graphic designers who help clients design graphic materials from scratch, or who prepare outside designs for the printing process. It’s important that if you offer graphic design services, you have the insurance to back you up when things go wrong.

Most of the digital print shop insurance policies that you have will cover your graphic design services. But it’s important to discuss it with your independent insurance agent so you don’t have any gaps in your protection.

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What Does Property Insurance Cover?

Digital print shops have a variety of serious property exposures. You have numerous flammable materials on hand, as well valuable inventory, equipment, machinery, and more. Your buildings, equipment, and inventory are susceptible to fire, theft, vandalism, and natural disasters.

  • Commercial property insurance: Covers damage to your building and other property if you experience a fire, vandalism, smoke, a severe weather event, or theft. It provides coverage for lost inventory, printers, machinery, tools, warehouses and office space, office equipment, computers, and more. It may also provide coverage for neighboring facilities and completed products housed on your premises. Coverage applies whether you own or lease your business property.
  • Business interruption coverage: Reimburses you for lost income and helps to pay certain ongoing expenses if your business is unable to operate because of a covered property loss. You can even include coverage for breakdowns in utility services (water, electrical) if a storm or some other event takes down power lines and cuts off your electrical and telephone service, and you’re forced to temporarily close your doors.
  • Inland marine insurance: Protects you from losses when cargo is damaged in transit. Any piece of property that is moved from one location to another can be covered with an inland marine policy.
  • Equipment breakdown insurance: Supplements your commercial property insurance. Without your specialized printing presses and other equipment, your business would be unable to operate, pay for expenses, and earn revenue. It covers certain costs associated with accidental breakdown of machinery or equipment and the resulting property damage or loss.

These digital print shop insurance policies can be tailored for your unique needs.

Why Do Digital Print Shops Need Workers’ Compensation Insurance?  

Your employees might be susceptible to cuts, pokes, crushed fingers or limbs, and repetitive motion injuries. The use of inks, solvents, and other chemicals can result in eye injuries, respiratory problems, or allergic reactions. Employees can be injured while loading and unloading trucks, driving forklifts, and operating printing presses. Even office workers can get injured from slips and falls and poor ergonomic conditions at their workstations.

Workers’ compensation insurance provides insurance coverage when accidents happen at the workplace. It ensures that the injured worker gets medical care and income protection while unable to work.

What Is Computers and Media Coverage?

Digital print shops use computers and a wide variety of applications to help you communicate with customers, design graphic materials, and store customer records. If your computers are damaged by a covered loss—such as theft, vandalism, viruses, or malware—computers and media coverage helps you pay to replace lost data and related lost income.

Also referred to as electronic data processing (EDP) insurance, it may also pay for physical damage to computers or hardware.

How Much Does Digital Print Shop Insurance Cost?

In general, digital print shop insurance costs depend on the size of your business, the number of employees you have, the amount and value of your commercial property, the location of your business, and a variety of other variables.

An independent insurance agent can guide you though your options so you get coverage that meets your needs and budget.

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Benefits of an Independent Agent

An independent insurance agent who has experience working with digital print shops and other similar businesses can help you decide the types and amounts of coverage that you need for your business. The choices you make will determine your cost of coverage.

Independent agents can work with numerous, reputable insurance companies who specialize in your type of business. Together you can review a variety of proposals and choose the best mix of coverage that meets your needs and budget.

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Find and Compare Quotes for Digital Print Shop Insurance

Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs.

Your agent will work with you free of charge to get quotes from multiple insurance companies so you can make the best choice.

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TrustedChoice.com Article | Reviewed by Paul Martin

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