Insurance for Your Printing Business From the Lambert Agency

The commercial printing industry is one of the oldest trades in the United States, and one of the largest industries overall. And while various forces continually challenge your business — desktop publishing and web-based services, to name just two — printing companies like yours continue the time-honored tradition of reproducing all kinds of information for the public and private sectors.

If you’re like many printing companies, you offer an assortment of services, such as photocopying, product distribution and mail fulfillment, package services, engraving, lithographing, and business form printing. These extra services help strengthen your business and meet the diverse needs of your community.

Whether you work with digital, offset, or relief equipment, you’ve made an investment in your profession. So it’s important to make sure that investment is protected. The Lambert Agency offers a portfolio of business insurance designed specially for the printing industry. We understand the challenges you face every day, and offer a range of options and endorsements to create a customized insurance package that covers just what you need. And we’ll help you every step of the way, starting with a fast policy estimate to flexible and convenient payment options.

Q. What specific kinds of insurance do printing businesses usually need?

A.  It varies from company to company, but in general most printing businesses require:

• Printers Errors and Omissions Coverage – If a big mistake ends up in a final printed piece, printers errors and omissions insurance provides coverage for any claims against you.
• Business Automobile Liability – Provides coverage if an employee drives your car or company vehicle while on company business.
• Hired and Non-Owned Automobile Liability – Provides coverage if an employee drives their vehicle on company business or if the business rents a vehicle.
• Equipment Breakdown Insurance – Covers your losses in the event your equipment would fail.
• Computer Coverage and Valuable Papers and Records Coverage – Protects you if your computer system is damaged or destroyed, or computer databases and customer records are lost.
• General Liability – This provides coverage in the event a customer would get hurt on your premises.
• Workers Compensation – Protects you against employee job-related injury claims.

Q. What type of coverage is often overlooked in my industry?

A.  Business Interruption – This covers loss of income due to a fire, act of vandalism, or other damage to your property that forces you to temporarily close. Your bills will be paid until you are up and running once again.

Crime Insurance – Protects you in the event your business is robbed and valuable products, like car alarms and radar detectors, are stolen.

Flood Insurance – The Lambert Agency doesn’t offer flood insurance, but your agent can connect you to the National Flood Insurance Program, the government-sponsored insurance that offers up to $500,000 in coverage.

Q. I’ve invested a lot in my brand and my signage. Can I get insurance to cover my company’s signs?

A. If your sign is an important part of your visibility, we can cover it – from damage caused by vandalism, theft, lightning, car accidents and more.

Q. What is umbrella insurance?

A. It’s a way to add higher limits to your existing insurance. For example, if your current liability policy covers a $1 million lawsuit and you are successfully sued for $2 million, umbrella insurance can cover the difference. Best of all, we can provide this excess liability coverage over your business vehicles as well as your business liability.

Q. If I have more than one location, do I need several policies?

A. No. The Lambert Agency covers all of your locations with one policy, saving you money and paperwork. Better yet, your liability limits apply separately at each if your locations.