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Looking for comprehensive commercial insurance? Nationwide offers
policies that are competitively priced and made for printers.
Let’s Talk About Protecting Your Printing Business
Listed below are some of the more common worries and concerns shared by printing businesses, along with some ways Nationwide can help. When you’re ready to speak to a Nationwide agent, you can find one using our Professional Locator.
For more information about business insurance, be sure to check out our Insurance Glossary and Common Questions.
| Your Worries | The Solutions | |
|---|---|---|
| What you think about | How you can help yourself | How Nationwide can help |
| My printing presses and other equipment, like the binding machine, are the most important pieces of assets on the property. What can I do to prevent breakdowns and protect my business if the machinery does fail? |
Institute a weekly preventative maintenance schedule Have equipment inspected annually by the manufacturer’s representative Keep equipment suppliers contact information up to date Talk to other printing operations and develop a plan to work together or to sub-contract printing work should your equipment become unusable Make sure employees are correctly trained to use the equipment | |
|
I lay awake at night worrying about possible mistakes in large, expensive print jobs, such as making typographical errors in a sale flyer, or failing to meet a deadline. What can I do to protect myself so I can sleep? |
Review Nationwides Printers Safety Checklist Make sure customers sign off on final proofs before a job is printed Establish quality control training for each stage of the printing process Use a print checklist for all print runs |
Printers Errors and Omissions Coverage Business Umbrella Coverage |
| One of the most important elements of my business is my computer system which contains my supply and inventory database, digital artwork and customer records. What should I do to protect my computer system and all of the digital files? |
Perform daily back-ups of your computer hard drive to a separate
drive Arrange for daily or weekly off-site back-up of records in the event your computer system is damaged or destroyed Restrict access to customers records |
Valuable Papers and Records Coverage Computer Coverage |
| How would I survive financially if my business were to be wiped out in a fire? |
Review Nationwide's Printer Safety
Checklist Install a central station fire alarm system Install an overhead sprinkler system Place portable fire extinguishers in strategic locations Train employees in fire prevention methods | Business Interruption Insurance Building and Personal Property Coverage |
| I have employees who use company vehicles to pick up paper and supplies, and deliver printed jobs to customers. Also, my employees sometimes use their own vehicles for business errands, like making bank deposits. Is my business protected if they are in an accident? |
Work with your agent to obtain frequent driving record checks of
employees Review Nationwide’s Driver Distraction Safety Bulletin Review Nationwide’s Business and Personal Auto Use Safety Bulletin Review Nationwide's Printer Safety Checklist | Business
Automobile Insurance Non-Owned Automobile Liability Coverage |
| One of my employees recently broke his foot when he dropped a box of paper on it. What can I do to protect my employees from future injuries and my business from expensive medical claims? |
Train employees on how to properly lift heavy objects Ensure that employees handling heavy loads wear steel-toed work boots Review Nationwide’s Establishing a Safety Program Bulletin
Review Nationwide’s Safe Lifting Safety Bulletin | Worker’s Compensation Coverage |
| How can I prevent a customer from hurting himself using the self-service equipment? What if someone slips in a small puddle near the front door, spraining his ankle? |
Review Nationwide’s guide to Avoiding
slips, trips and falls Install water-absorbing floor mats at all doors Post signage with clear instructions on how to use the equipment | General Liability Coverage Business Umbrella Coverage |
| What if my business is broken into after hours, and expensive equipment, such as the digital printers, are damaged, and the cash register is cleaned out? |
Install a monitored burglar alarm system Install a time lock safe, and make frequent bank deposits to limit the amount of money on hand after hours Review Nationwide’s Crime Prevention Tips Safety Bulletin |
Money and Securities Coverage Property Coverage Crime Insurance |
| I suspect that some of my employees might be stealing cash from me, or doing copying for others and pocketing the cash. What can I do? |
Carefully screen potential employees Install a closed circuit video monitoring system Perform regular audits of the accounting records Utilize security cameras | Employee Dishonesty Coverage |
| What if a power surge or interruption of electrical service outside my business causes breakdown of my printing equipment, HVAC system or computer network? |
Utilize surge protection devices to protect your electrical equipment
If electrical power interruptions are frequent, invest in a
back-up generator |
Utility Services Coverage - Including Business Income Equipment Breakdown Coverage |
| I have a number of employees and want to avoid any issues with discrimination, harassment or wrongful termination. |
Outline policies and procedures regarding discrimination and
harassment in your employee handbook Review Nationwide’s Hiring Practices/Employee Selection Safety Bulletin | Employment Related Practices Liability Coverage |
| My outdoor sign is very important for advertising my business. What if something were to happen to the sign? |
Have a regular maintenance program in place for your outdoor
property Make sure you purchase a sign that can withstand the elements in your area. | Outdoor Sign Coverage |
| I’m located in a major strip shopping center, and a lot of my business depends on customer traffic generated by a large anchor store. What if that store suffers fire damage and is closed while the repairs are done? | Develop an ongoing advertising campaign to increase awareness and increase destination traffic to your door | Dependent Properties - Business Income Coverage |
| In my business we use a lot of solvents, thinners and cleaning solutions. Should I be worried about any spills or contamination of the surrounding area, or the disposal of flammable waste materials? |
Make sure you follow all safety procedures when handling and
disposing of chemicals Review Nationwide’s Safety Cans and Bins Safety Bulletin | Pollution Liability Coverage (a Nationwide Agent can help you secure this coverage) |
Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.
