Books, Bookbinding and Printers Supplies

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Running a printing business is a complex and diverse occupation. Having comprehensive insurance is an essential safety net to protect you and your livelihood if something should go wrong. As careful as you may be, accidents happen when you least expect it; that’s where we come in.

What business insurance do bookbinding need?

The types insurance that you need will depend very much on how your business is set up. For many the bookbinding commercial combined policy provides a broad range of covers designed to offer cover for a range of different contingencies such as;

  • Property and Material Damage
  • Business Interruption
  • Business Money
  • Glass Breakage
  • Combined Liabilities
  • Business All Risks
  • Goods In Transit

What sort of liability insurance do bookbinding need?

For the majority of businesses there are basically two types of liability insurance that need to be considered.

  • Public liability insurance protecting you against claims made against you in respect of your legal liability for personal injury or damage suffered by third parties. The public liability insurance can also include products liability insurance to protect you against claims made against you arising from the sale or supply of a product.
  • Employers liability protecting you against claims made against you in respect of your legal liability for death, disease or injury sustained by an employee during the course of their employment.

It is worth nothing that businesses that provide professional services may also need to consider professional indemnity insurance as part of their liability insurance arrangements.

Printers set type according to copy, operate press to print job order, read proof for errors and clarity of impression, and correct imperfections. Job printers are often found in small establishments where work combines several job skills.

Why do Printers require professional indemnity insurance?

The main duties of a job Printer include:

  • Selects type from type case and inserts type in printer’s stick to reproduce material in copy.
  • Lays form on proof press, ink type, fastens paper to press roller, and pulls roller over form to make proof copy.
  • Pushes button to start press, examines printed sheets, and adjusts press when printing is defective.
  • Places chase over type, inserts quoins, and locks chase to hold type.
  • Cleans ink rollers at end of run.

Public Liability Insurance for Printers
If you or any of your employees visit a customers premises your actions could cause an injury to another person. Similarly, if an accident happens whilst a member of the public comes to your place of business and they are injured you could be held liable. Public Liability Insurance protects you in the event that such accidents occur and a claim is subsequently made against you.

Public liability insurance also covers you if damage is caused to third party property while at the customers business. An example would be if an employee broke a valuable item while making a delivery at a customer’s home. The claim to replace the item would be covered by public liability insurance.