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Business owner’s policy for printers and copiers

Business owner’s policy icon
Business owner’s policy

A business owner’s policy, or BOP, combines general liability insurance with commercial property insurance, typically at a lower rate than if the policies were purchased separately.

BOP insurance bundles policies to protect printing businesses

A business owner’s policy offers printing and copying businesses broad and affordable coverage. A BOP bundles general liability insurance with commercial property insurance to protect against customer injuries, customer property damage, and business property damage. It typically costs less to purchase this policy than it does to buy each policy separately.

This policy protects against:

  • Lawsuits related to customer injuries or property damage
  • Lawsuits related to advertising injuries, such as slander
  • Damage to printing equipment and other business property

Customize a BOP to fit your business

Printing and copying business owners can tailor a BOP to meet their specific needs. Useful add-ons might include business interruption insurance or other endorsements.

Small, low-risk businesses usually qualify for a BOP, including:

  • A copying center with a small footprint
  • A print shop with only a handful of employees

Talk to a licensed Insureon agent to learn how a BOP could benefit your business.

Compare business owner's policy quotes for printers and copiers

What coverage can a BOP provide printing and copying businesses?

Customer injuries and property damage

The general liability portion of a BOP can cover legal bills and other expenses related to customer injuries or property damage. For example, it can provide coverage if:

  • A customer slips at your copy center and dislocates a shoulder
  • Your printing assistant damages a client’s laptop

Advertising injuries

The general liability portion of a BOP also provides coverage against advertising injuries, including:

  • Defamation, such as libel (written) and slander (spoken)
  • Copyright infringement

For example, if a competing print shop claims you copied its logo and files a lawsuit, a BOP could help pay the resulting legal expenses.

Damage to business equipment and other property

The commercial property insurance included in a BOP protects:

  • Business equipment, such as commercial printers and copy machines
  • Office furniture and fixtures
  • Toner cartridges, card stock, and other inventory
  • Your shop building if you own it

Along with reimbursing you for damages caused by theft, vandalism, or weather events, this policy can protect your property from incidents that began outside of your shop, such as a fire that began in an adjacent building.

Temporary closure

If your print shop is forced to temporarily close, it could result in significant financial losses. Business interruption insurance shields your printing or copying business from lost revenue and other expenses related to closure caused by a covered event.

For example, your copy center may need to close for a few weeks for repairs after a tornado strikes. Business interruption insurance would help you retain your staff and pay your ongoing expenses when you aren't able to generate revenue.

Other policies for printers and copiers to consider

A business owner’s policy offers general liability and property protection for printing and copying businesses, but it doesn’t shield against employee injuries and other risks. Business owners should also consider:

General liability insurance: This policy can pay legal expenses related to customer property damage and injuries, along with advertising injuries such as slander.

Workers’ compensation insurance: Required in almost every state for print shops and copy centers that have employees, workers’ comp can cover medical bills for work injuries.

Errors and omissions insurance: Also called professional liability insurance, this policy can cover legal fees of lawsuits related to your printing or copying performance.

Get free quotes and compare policies with Insureon

Are you ready to safeguard your printing or copying business with a business owner’s policy? Complete Insureon’s easy online application today. Once you find the right policy, you can begin coverage in less than 24 hours.

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