Start with how the operation works
Commercial printers depend on specialized equipment, files, materials, color and production accuracy, deadlines, utilities, employees, and delivery. The insurance review should follow the job from customer order through production and completion. For general liability, general liability planning starts with how customers, vendors, tenants, and the public interact with the operation.
Operating details to document
- Description of printing businesses operations, locations, revenue, payroll, and recent changes
- Current values and schedules for commercial property, equipment breakdown, and business income, general liability and professional or printers errors and omissions where available, cyber, inland marine, workers' compensation, commercial auto, and umbrella
- Contracts, certificates, current policies, and currently valued loss history
Coverage details to review
- Premises and ongoing operations liability
- Products and completed operations where applicable
- Contractual requirements and additional insured obligations
- Defense costs, occurrence limits, aggregates, and deductibles
Prepare for a More Productive Renewal
A useful review goes beyond selecting a policy name. It connects current information to eligibility, policy structure, and the consequences of a significant loss.
- Begin before the market needs the final submission
- Update values, payroll, sales, fleets, locations, and operations
- Explain losses and improvements with supporting documentation
Press, finishing, electrical, fire, water, and equipment-breakdown losses
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Customer-file errors, missed specifications, spoilage, reprinting, and delayed delivery
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Employee injury, cyber incidents, customer property, vehicles, and extended downtime
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Premises and ongoing operations liability
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Products and completed operations where applicable
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Contractual requirements and additional insured obligations
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Defense costs, occurrence limits, aggregates, and deductibles
Confirm how this applies to the operation, how it is represented in the application, and where the policy addresses or excludes the exposure.
Information to have ready
- Description of printing businesses operations, locations, revenue, payroll, and recent changes
- Current values and schedules for commercial property, equipment breakdown, and business income, general liability and professional or printers errors and omissions where available, cyber, inland marine, workers' compensation, commercial auto, and umbrella
- Contracts, certificates, current policies, and currently valued loss history
- Annual revenue and a clear description of operations
- Customer-facing activities and off-premises work
- Contracts, leases, and certificate requirements
- Currently valued loss history when available
Questions for the coverage review
Which printing businesses risks could create the most severe loss?
Document the answer and compare it with the application, quote, endorsements, limits, deductibles, and contractual requirements.
Do current values, classifications, limits, and deductibles reflect the operation?
Document the answer and compare it with the application, quote, endorsements, limits, deductibles, and contractual requirements.
What operational changes, contracts, or dependencies should the insurance review address?
Document the answer and compare it with the application, quote, endorsements, limits, deductibles, and contractual requirements.
Do all disclosed activities fit the policy classification?
Document the answer and compare it with the application, quote, endorsements, limits, deductibles, and contractual requirements.
Which contracts require special limits or endorsements?
Document the answer and compare it with the application, quote, endorsements, limits, deductibles, and contractual requirements.
Frequently asked questions
Who should use this printing businesses general liability guide?
Business owners and insurance buyers can use it to prepare for a focused review of renewal planning. It is educational guidance, not a quote or a substitute for policy terms.
What information should a printing businesses account gather first?
Start with description of printing businesses operations, locations, revenue, payroll, and recent changes, current values and schedules for commercial property, equipment breakdown, and business income, general liability and professional or printers errors and omissions where available, cyber, inland marine, workers' compensation, commercial auto, and umbrella, contracts, certificates, current policies, and currently valued loss history, plus currently valued loss information when available.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, exclusions, and policy terms vary by risk and market. Review actual policy documents with an appropriate insurance professional.