What is Commercial Printing/Gravure?
Commercial printing using gravure technology is a high-speed, high-quality printing process often used for magazines, catalogs, packaging, and decorative printing. Gravure printing involves etching images onto cylinders and transferring ink directly to paper or other materials. Due to the complexity of the machinery and the use of flammable inks and solvents, this segment of the printing industry faces unique operational hazards and property risks.
Who Needs It
Insurance for commercial gravure printing is essential for printing companies, packaging manufacturers, publishing houses, and specialty print operators. Whether you're running a large-scale press or a smaller facility, having the right coverage helps protect your business from potential claims tied to fire damage, equipment breakdown, or employee injury.
What it Typically Covers
A commercial printing insurance policy tailored for gravure operations might include:
- Property coverage – for damage to printing presses, cylinders, and facilities due to fire or accidents.
- General liability – for third-party bodily injury or property damage, such as a visitor slipping on an ink spill.
- Equipment breakdown – to cover the cost of repairing or replacing specialized printing machinery.
- Commercial auto exposure – if materials or finished goods are transported with company vehicles.
- Workers compensation – to protect employees from on-the-job injuries related to machinery or chemical exposure.
For operations that also handle publishing, consider coverage such as that described in Periodicals: Publishing and Printing Insurance.
Common Exclusions or Limitations
Policies may exclude coverage for intentional acts, wear and tear on equipment, or losses from unapproved modifications to machinery. Environmental damage from chemical spills or disposal may also be limited or excluded. It’s important to read your policy carefully and review exclusions with your insurance agent.
Factors That Influence Cost
Premiums for gravure printing insurance depend on several underwriting factors, including:
- Size and scope of the printing operation
- Value and type of equipment insured
- Fire prevention and ventilation systems in place
- Claims history and safety protocols
- Employee training and risk management procedures
For instance, a large facility using solvent-based inks without proper ventilation may face higher premiums due to increased fire and health risks.
Proof of Insurance & Compliance
Vendors, clients, or property managers may request a certificate of insurance (COI) as proof of coverage. This documentation confirms that your business carries the required liability and property coverage, which is often necessary for contracts or leasing agreements.
How to Get a Quote
To find the right policy for your gravure printing operation, gather details like annual revenue, number of employees, equipment values, and safety protocols. Then, discuss with an agent who understands the specific risks of the commercial printing industry.
For businesses that specialize in platemaking or related pre-press services, additional coverage options may be found under Platemaking and Related Services Insurance.
Frequently Asked Questions
What types of businesses need gravure printing insurance?Any company involved in high-volume commercial printing, including packaging manufacturers and magazine publishers, should consider this coverage. Is equipment breakdown covered?Yes, many policies include equipment breakdown insurance to cover the cost of repairs or replacement for printing machinery. Does the policy include liability for chemical exposure?Liability coverage may apply to claims from chemical exposure, but exclusions and limits vary—review your policy carefully. Can I add commercial auto insurance to my policy?Yes, if your business uses vehicles for deliveries or pickups, commercial auto coverage can be added to your policy.
Still have questions? Talk to a local insurance expert.
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