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Workers Compensation Insurance for Printing and Publishing Accounts U.S. Risk Insurance Group, Inc. offers a specialized Workers Compensation insurance program tailored for the unique needs of printing and publishing businesses. Through its UPA division, this program is backed by an A-rated carrier and designed to provide competitive solutions for agents seeking to place risks in this niche industry. Ideal Accounts and Appetite This program is designed for small to mid-sized printing and publishing operations, including commercial printers, digital print shops, newspaper publishers, magazine publishers, and related businesses. UPA can accommodate new ventures and insureds transitioning out of Professional Employer Organizations (PEOs), with carve-out options available. Example placements might include a local commercial printing company with 10 employees or a regional magazine publisher looking to exit a PEO relationship. Coverage Highlights and Advantages Guaranteed cost plans available Dividend plans offered in Florida Online loss run access for agent and client convenience UPAY-As-You-Go and other flexible payment options Monthly self-reporting with only a 5% non-working deposit Underwriting Notes and Minimum Premiums Minimum premium: $3,000 (no maximum premium) New ventures are eligible Group transportation is limited to five employees per vehicle Accounts with lapse in coverage require underwriting referral No maximum experience mod Height/underground restrictions: max 20 feet above ground or 2 stories; max 6 feet below ground PEO carve-outs available with supporting documentation (loss history, signed contracts, labor endorsement) 24-hour shift work exposure is acceptable, provided no other restricted exposures are present Accounts with domestic, aviation, or federal exposures are ineligible Businesses with tax liens or undergoing bankruptcy are ineligible Territories and Availability This Workers Compensation program is available in most states, including AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Coverage is limited, incidental, or cannot be the governing state in CA and OK. Please consult underwriting for specific eligibility in these states. Why Work With U.S. Risk Insurance Group? U.S. Risk Insurance Group is a trusted Managing General Agency (MGA) with extensive experience in niche programs. The company’s UPA division offers agents and brokers access to competitive Workers Compensation options backed by strong carrier relationships, responsive underwriters, and flexible solutions for accounts that may not fit standard markets. If you're working with a printing or publishing client and need a reliable Workers Comp solution, this program offers the underwriting flexibility, pricing options, and support you need to win and retain the business. Frequently Asked Questions What types of accounts are a good fit for this program?Commercial printers, digital print shops, newspaper and magazine publishers, and related businesses in the printing and publishing industry are ideal candidates. Can new ventures be considered for coverage?Yes, new ventures are eligible under this Workers Compensation program from U.S. Risk Insurance Group. Is coverage available for clients exiting a PEO relationship?Yes, the program supports insureds coming out of PEOs and offers carve-out options with proper documentation. What are the payment options for this program?Agents can offer clients UPAY-As-You-Go, direct bill, or monthly self-reporting with a 5% non-working deposit. Are there any geographic restrictions for this program?The program is available in most states, but coverage is limited or cannot be governing in California and Oklahoma. Need help placing an account? Connect with a market specialist.

Stockthroughput Insurance Commercial Sector Insurance Brokers offers a Stockthroughput Insurance program that combines inventory/storage exposures and transit (cargo) exposures into a single, streamlined policy form. Coverage is written on an All-Risk basis and can include Wind, Flood and Earthquake upon request. The product is designed for agents who need a simple, flexible solution for goods that move through multiple stages — from raw materials through production to delivery to the customer. Product highlights Profit commission dividend paid directly to the insured by underwriters after the first year and upon renewal Low deductibles to reduce client out-of-pocket exposure Coverage for power outage losses affecting perishable goods (from any cause) Any type of goods considered — from perishables to durable goods and specialty items Simplified stock form — no routine reporting forms required for ordinary inventory Coastal risks are welcome; tailored wording available for marine exposure International transit and import/export coverage available Product protected from raw material stage through production and final delivery Minimum premium: $5,000 Inland marine and building coverages can be coordinated so unappealing stock does not force unattractive building terms Sample risks written Seafood wholesalers and processors Tobacco cooperatives and wholesalers Importers of antiques and specialty goods from Europe Importers and distributors of frozen food Book distributors and publishers Lumber and building product wholesalers Wine importers and distributors Window and door manufacturers Clothing and textile manufacturers Gun distributors (subject to underwriting parameters) Accounts that need both Inland Marine and building solutions Overview of the program from Commercial Sector Insurance Brokers This program is underwritten by multiple specialty markets (4+ carriers) accessible through Commercial Sector Insurance Brokers. It is set up to give retail agents a single policy to manage inventory-at-rest and inventory-in-transit without duplicative reporting. Underwriters are experienced with hybrid inland marine/cargo risks and routinely tailor terms to production flows, seasonal peaks, and international shipments. Ideal accounts and appetite This program fits clients who: Maintain inventory that regularly moves between suppliers, production sites and customers Require protection for perishable stock sensitive to power outages Import or export goods and need combined transit and storage coverage Operate in coastal areas or have complex logistics chains Typically acceptable: wholesalers, processors, importers, distributors, and manufacturers with standard storage practices. Higher-risk classes, unusual storage conditions, or extremely high single-location values should be discussed with underwriting before submission. Coverage advantages Single policy covers both inland transit and stock, simplifying claims and administration All-risk wording with optional catastrophic cover extensions (Wind/Flood/EQ) where needed Profit commission dividend feature can improve client retention and net cost Simplified reporting reduces administrative burden for both agents and insureds Underwriting notes and minimums Minimum premium for the program is $5,000. Underwriting evaluates product type, storage conditions, transit modes, loss history, and seasonal exposure. Coastal and international risks are acceptable but require details on warehousing, inland transit procedures, packaging, and refrigeration for perishables. Provide photos of storage, basic logistics procedures, and most recent loss runs to accelerate review. Territories and licensing This program is available on a non-admitted basis (not admitted in any state) and can be bound in the following jurisdictions: AL, AK, AZ, AR, CA, CO, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV, WI, WY. Confirm any state-specific requirements with Commercial Sector prior to submission. Why work with Commercial Sector Insurance Brokers Commercial Sector brings focused wholesale market access and hands-on underwriting support for hybrid stock/transit placements. The team works closely with retail agents to tailor limits, deductibles, and extensions for complex supply chains. Fast submissions with clear documentation often result in quicker quotes and binding decisions through multiple specialty markets. Example account scenarios You have a seafood processor that stocks inventory in refrigerated warehouses and ships nationally — this program can combine their storage and transit exposures, including coverage for power outage spoilage. You represent an importer of premium wine who needs combined inland marine transit coverages and short-term storage protection while goods clear customs — the Stockthroughput form simplifies placement and reporting. For submissions, include a description of operations, values by location, transit modes, packaging and refrigeration protocols (if applicable), and recent loss history. Commercial Sector underwriters will evaluate and respond with tailored wording and market options. Frequently Asked Questions What types of accounts are a good fit for the Stockthroughput program?Accounts that combine storage and transit exposures — wholesalers, importers, processors and manufacturers that move goods between suppliers, production sites and customers. Perishable goods and coastal importers are commonly placed. Is this program admitted or non-admitted?This program is offered on a non-admitted basis (not admitted in any state). Confirm state-specific placement requirements with Commercial Sector before binding. What information should I include with a submission?Provide a description of operations, inventory values by location, transit modes and routes, packaging/refrigeration procedures (if applicable), and recent loss runs. Photographs of storage conditions and descriptions of business interruption exposures help underwriters price efficiently. Need help placing an account? Connect with a market specialist.