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For printers
In your business, a good impression means
everything
Whether you deal strictly in printing, or offer engraving, die
cutting, embossing or other related services, a good impression is most critical component
in every job you run.
At Harleysville, we’ve developed the perfect impression for a custom
printers’ insurance package that contains almost as many coverages as there are PMS
colors. By focusing on the specific risks your business faces, our Deluxe Insurance
Program for Printers gives you pinpointed insurance protection that many companies
don’t offer. Our package includes the special coverages you need for your business,
plus you can add plenty of optional coverages and related life insurance protection.
If you’d like to learn more about this special program, contact an agent in your area. Or, get in touch with our office nearest you.
Over and above all the coverages you’d expect in a standard policy, our program
includes these exceptional features:
- Property in your care Most commercial policies restrict coverage for property of
others. With Harleysville, you have full replacement cost coverage-up to your property
limit-for patterns, molds and forms, separations, paper inventories, and creative and
artistic materials that may grace your premises awaiting your professional attention.
These items are covered for a multitude of losses ranging from explosion to accidental
marring or scratching.
- Leased property If property you lease—from state-of-the-art presses to
photoengraving equipment, computers, scanners, laser printers and copiers—is damaged
or destroyed, we cover you for replacement cost, regardless of fault.
- Off-premises utility failure If power failure temporarily knocks you out of
business, most insurance policies don’t assist you. We’ll pay toward the loss of
income you sustain after the first 12 hours following your loss of power, communications
or water supply.
- Valuable papers and records Our program covers the costs you incur to reconstruct
valuable documents that have been destroyed from an insured loss. Coverage extends to all
pre-press collateral material including computer artwork on discs or cartridges.
Optional printers E & O coverage available
Our Errors & Omissions liability coverage can protect your business against
nightmares that can come true when ink meets paper.
This optional insures loss resulting from an error, omission or negligent act you
commit in the course of providing printing and graphic arts-related services.
Of course, our deluxe program contains comprehensive liability coverage to protect you
against damage and injury claims arising from all printing operations and premises you
own, lease or manage.
Our Deluxe Insurance Program for Printers also includes these important all-around
business coverages:
- Business income and extra expense coverage for up to 12 consecutive months
following a loss.
- Accounts receivable coverage for money you are unable to collect because these
records are destroyed.
- Money and securities for funds that are stolen or destroyed while on or off your
premises.
- Business personal property off premises
- Sewer/drain backup coverage for damage caused by backed-up sewers or drains.
- Outdoor signs
- Trees, shrubs and plants
- Fire department service charges
- Glass coverage
- Vandalism to rented buildings
Of course, our Deluxe Insurance Program for Printers also provides all the fundamental
property and general liability coverages found in standard commercial policies to protect
your building, contents, premises and operations, plus many other tried-and-true coverages
to guard your practice against financial loss.
Optional coverages for your business
We offer over 35 options to help you customize your printers program, including:
- Systems breakdown For heating, air conditioning and electrical systems used to
maintain your business.
- CompuPak® Comprehensive coverage to insure your information processing systems
against mechanical breakdown, electrical or magnetic erasure of tapes, sabotage and many
other types of loss. Covers both your hardware and software.
- Group coverages Group term life and short-term or long-term disability coverage
is available to protect—and help you retain—your employees. The cost is
surprisingly low.
- Business continuation This coverage integrates a funded buy/sell agreement into
your plan, protecting the interest of the owners and the future of your operations.
- Building ordinance or law coverage To cover increased costs in construction
related to local or federal regulations.
- Employee dishonesty With your choice of limits per occurrence.
- Employment practices liability This coverage protects you against loss resulting
from a wide range of employee lawsuits, including discrimination, sexual harassment and
wrongful termination.
- Employee benefits liability coverage To protect you against errors and omissions
in administering your employee plans.
- Low-cost fidelity bond If you provide a qualified pension plan, this is the ideal
way to meet your legal requirements (ERISA) to protect plan participants against theft of
funds.
- Workers compensation Yes, this absolutely essential coverage is available for
your business. Ask your agent for details.
Life insurance to protect you and your business
We can also handle all of your business life insurance needs. Some examples include:
- Key employee coverage Designed to protect your business upon the loss of a key
employee. Funds can be used to find, hire and train a replacement, as well as compensate
for lost business during the transaction.
- Simplified pension plans Owners of small businesses can turn to either a SEP-IRA
or a Simple IRA to get the benefits of a qualified pension plan without the higher
administrative costs and paperwork hassles.
- Debt protection This coverage can secure the funds needed to pay off a
company’s debt upon the death of an owner, helping the business continue as a viable
entity during this difficult time.
- Non-qualified executive plans A business may want to reward key people in the
organization with such executive plans as deferred compensation, executive bonus and split
dollar coverage. Each plan rewards the executive while tying them more closely to the
continued success of the business.
Your other insurance needs
Harleysville offers a full line of products to cover all of your other business and
personal protection needs:
- Automobile For your business and personal use
- Homeowners Complete coverage for your personal property and liability needs
- Life Choose from a wide variety of life insurance plans to protect you and your
family
- Excess liability Broader coverage for losses above the limit of your underlying
policies
- Shipmate® Coverage for your boat and liability for protection for you
- And much, much more
Want to know more about our printers’ program? Contact an agent in your area, or get in touch with our office nearest you.
Note: These coverages are not available in all states. In the event
there are discrepancies between this information and your policy, the terms of your policy
will govern. Consult your independent insurance agent for more information.
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