What is Newspaper Publishing/Edit Workers Compensation (class code: 8807)?
Newspaper Publishing/Edit Workers Compensation (class code: 8807) is workers’ compensation coverage tailored for employees who work in editorial, news production, and related office functions at publishing organizations. This coverage helps pay medical bills and a portion of lost wages if an employee is injured or becomes ill because of their job. Publishers often manage exposures that overlap with property coverage, equipment coverage, and commercial auto exposure for delivery operations, so understanding how Workers’ Compensation coordinates with other commercial policies is important.
For closely related operations and classification guidance, see Newspaper Publish/Printing Workers Compensation (class code: 8818) which covers similar production and printing activities.
Who needs it
Typical buyers include small and mid-size publishers, editorial departments, printing partners, distribution staff, and companies that employ reporters, editors, proofreaders, press operators, and delivery drivers on payroll. Associations, club newsletters, and contract publishers that pay staff wages usually need to carry workers’ compensation in the states where they operate. Freelancers and independent contractors often sit outside standard WC coverage unless they are on payroll or specifically listed.
What it typically covers
- Medical care and rehabilitation for workplace injuries or occupational illnesses.
- Partial wage replacement when an employee is temporarily unable to work.
- Benefits for permanent impairment or vocational rehabilitation when needed.
- Death benefits and survivor payments in fatal workplace incidents.
Risk scenario: a delivery driver injures a wrist while lifting a heavy bundle of papers — WC would generally cover medical care and lost wages if the driver is an employee.
Common exclusions or limitations
- Claims by true independent contractors who are not on payroll.
- Injuries sustained while committing illegal acts or intentional self-harm.
- Some occupational disease claims may be limited by state law or statute of limitations.
- Off-duty and non-work-related injuries are usually excluded.
Factors that influence cost
Premiums are driven by payroll size and how many employees are assigned to each job classification, the insurer’s view of underwriting factors, the employer’s claims history (experience modification), the degree of manual or press work versus clerical tasks, and state-specific rate filings. Safety programs, light-duty return-to-work policies, and how much delivery or transportation exposure exists (which may also suggest a need for commercial auto coverage) can lower or raise costs.
Distributors and agents who handle magazine or news delivery should review related classifications such as News Agent / Magazine Distributor Workers Compensation (Class Code 8745) when estimating payroll mix.
Proof of insurance & compliance
Most states require employers to post notice of workers’ compensation rights and to provide certificates of insurance to clients or landlords on request. Policies are typically audited based on actual payrolls, so maintaining accurate records and clear subcontractor agreements helps keep compliance tidy. Businesses that handle mailings or addressing operations may also want to compare classifications with operations described at Mailing and Addressing Companies Workers Compensation (class code: 8800).
How to get a quote
To get a meaningful quote, prepare current payroll by job function, a description of operations, loss runs (claims history), and any written safety programs. If you prefer professional help, talk to your agent.
Frequently Asked Questions
Is Workers’ Compensation required for publishers?
Requirements vary by state and often depend on payroll size and number of employees; check state rules and your insurer’s guidance.
Does workers’ comp cover delivery drivers?
Yes, if the driver is an employee. Independent contractors are generally excluded unless specifically insured.
How do I reduce my workers’ comp premium?
Implement safety and return-to-work programs, correctly classify employees, keep accurate payroll records, and review claims experience with your insurer or broker.
Still have questions? Talk to a local insurance expert.