Print shop and printing business insurance in North Carolina

What insurance does a NC print shop need?

Core coverages include: commercial property (building if owned, printing equipment, inventory); equipment breakdown (covering press and equipment mechanical failure); commercial GL; business income (covering revenue loss during equipment downtime); and workers comp. Shops that handle customers' files and materials may need bailee coverage for customers' property.

What equipment breakdown coverage do print shops need?

Printing equipment, presses, large-format printers, bindery equipment, cutters, is expensive and subject to mechanical failure. Equipment breakdown coverage pays for repair or replacement when equipment fails mechanically or electrically. Standard property coverage does not cover mechanical breakdown, only external damage.

What business income coverage does a NC print shop need?

Business income (business interruption) coverage replaces revenue lost when a covered loss prevents the shop from operating. For a print shop with ongoing contracts and customer commitments, the business income limit should reflect realistic revenue over the likely recovery period, including extra expense to expedite repairs or rent temporary equipment.

What customer property liability do print shops face?

Customers often bring in files, originals, proofs, and materials for printing. If these are damaged or lost while in your care, a bailee or customer goods coverage responds. Standard property covers your property, not customers' property in your care. Confirm this coverage is in your program if you regularly handle customers' materials.