Why do publishers need insurance?
An accusation of plagiarism or invasion of privacy could have serious ramifications for publishers of books, magazines, and other materials. Business insurance can help cover legal fees, medical bills, and other expenses that might otherwise devastate a small publishing company.
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With Insureon, publishers can get insurance coverage the same day they apply for quotes.
Fill out our easy online application to compare quotes from top-rated providers.
What types of business insurance do publishers need?
These insurance policies cover common risks in the publishing industry.
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage at a discount. Most small businesses are eligible for this type of coverage.
- Third-party injuries and accidents
- Stolen or damaged business property
- Business interruption insurance
General liability insurance
This policy covers basic third-party risks, such as accidental damage to a client's laptop, or an injury in your office. It's sometimes required for client contracts and commercial leases.
- Slip-and-fall injuries
- Damage to client property
- Other third-party injuries
Errors and omissions insurance
This publisher’s liability insurance policy covers legal costs from mistakes and oversights. It's also referred to as professional liability insurance or media liability insurance.
- Publishing errors
- Accidental copyright infringement
- Accusations of defamation
Workers’ compensation insurance
Most states require workers' comp for publishing businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
This policy covers financial losses when a publishing company's vehicle is involved in an accident. Most states require this coverage for vehicles registered to a business.
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Cyber insurance
Cyber liability insurance helps publishers recover from data breaches and cyberattacks. It's strongly recommended for any business that handles credit card numbers or other personal information.
- Customer notification costs
- Data breach investigations
- Fraud monitoring services
How much does insurance cost for professional service businesses?
A small independent publisher will pay less for insurance than a larger company.
Factors that affect professional services premiums include:
- Services you offer, such as book or magazine publishing
- Business property and equipment
- Business income
- Types of insurance purchased
- Exposure to risks such as defamation
- Policy limits and deductibles
How do I get publishing insurance?
It's easy to get business insurance for publishers (including publishers with printing operations) if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your publishing company, whether you work independently or hire employees.
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