Printing Operation-NOC (Not Otherwise Classified) Workers Compensation is a workers’ comp classification for printing activities that don't fit a more specific code. It provides wage replacement and medical benefits to employees who are hurt on the job, and it helps cover employer liability for workplace injuries. This coverage typically coordinates with other commercial protections like property coverage and equipment coverage when a shop owns presses, cutters, or finishing equipment.
Who needs it
Small and mid-size print shops, sign makers, bindery operations, freelance press operators, and in-house print departments commonly need this coverage. Employers in closely related fields often look at specialized classes, for example Screen Printing-All Other Employee Workers Compensation for shops focused on textile or garment printing. Publishers and businesses that combine printing with distribution may compare options with Newspaper Publish/Printing Workers Compensation (class code: 8818) when determining the best fit.
What it typically covers
Workers compensation for Printing Operation-NOC generally covers:
- Medical treatment for on-the-job injuries
- Temporary and permanent disability benefits
- Death benefits to dependents in fatal cases
- Employer liability for worker injuries under state law
Insurers also consider related exposures such as commercial liability for third-party injuries, equipment breakdown, and commercial auto exposure if the business makes deliveries or transports materials.
Common exclusions or limitations
Typical exclusions or limits include injuries that happen outside the scope of employment, intentionally self-inflicted injuries, and contractual liabilities not covered under standard workers’ comp. Some policies exclude certain high-risk tasks unless specifically endorsed. Always review exclusions with your broker to understand limitations for specialized equipment or subcontracted labor.
Factors that influence cost
Rates are driven by several underwriting factors:
- Payroll size and employee classifications
- Claims history and safety programs
- Type of equipment (e.g., high-speed presses vs. manual finishing)
- Location and state-specific workers’ comp laws
- Use of subcontractors and off-site work
Implementing training, lockout/tagout procedures, and routine maintenance can lower risk and help control premiums.
Proof of insurance & compliance
Employers typically provide a certificate of insurance to demonstrate workers’ compensation coverage. Some clients, landlords, or municipalities may request proof before permitting work. Keep records of payroll, job duties, and any safety training to support compliance during audits or claims.
How to get a quote
To get a competitive quote, prepare payroll estimates, a summary of operations, and recent loss runs. Discuss your specific operations, equipment, and subcontractor use with your broker or carrier — or ask your agent to compare options. A focused risk management review can identify endorsements for equipment coverage or broader commercial liability if needed.
Frequently Asked Questions
Do part-time employees need to be covered?
Yes. Most states require workers’ compensation for part-time employees, though rules vary by state and employer size.
Will my policy cover a delivery driver who transports printed materials?
Coverage depends on the policy terms. If employees use personal or company vehicles for work, you may need to examine commercial auto exposure or endorsements.
How can I lower workers’ comp premiums?
Improving workplace safety, documenting training, implementing maintenance schedules, and managing claims promptly are common ways to reduce premiums over time.
Still have questions? Talk to a local insurance expert.