What is Newspaper Publish/Printing Workers Compensation (class code: 8818)?
Workers compensation insurance for newspaper publishing and printing businesses — classified under class code 8818 — is designed to protect employees who may be injured or become ill due to work-related activities. This type of insurance is essential for businesses involved in the production, layout, editing, and printing of newspapers or similar publications.
The industry includes a mix of office operations and physical printing processes, which can expose employees to different types of risks such as machinery accidents, repetitive stress injuries, and slips or falls in production areas.
Who needs it
This coverage is typically required by newspaper publishers, print shops, and media production companies that employ staff in editorial, administrative, and mechanical printing roles. Even small operations with a handful of employees may need workers compensation to comply with state requirements and manage liability exposures.
What it typically covers
A workers compensation policy under class code 8818 generally provides:
- Medical expenses for work-related injuries or illnesses
- Lost wages during recovery periods
- Rehabilitation or physical therapy costs
- Death benefits in case of a fatal workplace incident
For example, if a printing technician suffers a hand injury while operating a press, workers comp would cover treatment and time off work.
Common exclusions or limitations
Workers compensation does not typically cover injuries that occur off the job, incidents resulting from intoxication or substance abuse, or injuries sustained while violating safety protocols. Independent contractors and volunteers are often not covered unless specifically included in the policy.
Factors that influence cost
Premiums for class code 8818 can vary depending on several underwriting factors, including:
- Number of employees and total payroll
- Loss history and prior claims
- Safety protocols and risk management practices
- Extent of physical printing operations vs. editorial work
Businesses with strong safety training and lower operational hazards may qualify for reduced rates.
Proof of insurance & compliance
Most states require newspaper publishers to carry workers compensation coverage, and proof of insurance may be necessary for licensing or contracts. Certificates of insurance are commonly used to verify active coverage to state authorities or business partners.
How to get a quote
To explore your options for newspaper publishing or printing workers compensation insurance, connect with a licensed insurance professional who understands your industry. They can help assess your liability exposures and provide tailored guidance.
Get a workers comp quote today to protect your employees and stay compliant.
Related Industries
If your business includes other operations like mailing and addressing services or insurance inspection services, you may need to consider additional class codes for accurate coverage.
Frequently Asked Questions
What does class code 8818 cover?
It covers workers compensation for employees in newspaper publishing and printing operations, including editorial and mechanical roles.
Is workers comp required for small newspaper publishers?
Most states require it if you have employees, regardless of business size. Check your state’s rules for details.
Can independent contractors be covered?
Typically, independent contractors are not covered unless specifically added to the policy. Consult with your insurer.
What risks are associated with newspaper printing work?
Risks may include machinery accidents, repetitive motion injuries, and slips or falls in production areas.
How can I reduce my workers comp premiums?
Implementing strong safety protocols, maintaining a clean claims history, and training employees can lower your premiums over time.
Still have questions? Talk to a local insurance expert.