Manual handling, physical stress and repetitive motion injuries are indicated as loss leaders in our claim analysis for the printing and graphic imaging industry. An ergonomics program can help protect workers from these types of injuries and increase productivity. An effective safety program that raises employee safety awareness and helps to control and eliminate hazards can help minimize the impact of other loss sources such as slips, trips and falls and struck by accidents.
For printing firms, even a minor slip, trip or fall-related injury can result in hefty payouts to injured parties, lost profitability and increased liability insurance premiums. Our process, a comprehensive method of evaluating and developing business solutions, can help to minimize fall exposures. This study reveals these types of incidents to be one of the most common and expensive for companies in this industry segment. An effective slip and fall prevention program can have a positive impact on a management company’s bottom line regardless of the size of the business.
- Manual Handling: lifting/loading of large paper rolls, bundles, heavy press equipment
- Machine Hazards: unguarded nip points, lock-out tag-out (adjustment, maintenance, clearing jams)
- Falls: working above presses, platforms, docks
- Repetitive motion – machine operation, sorting, computer/typing
- Chemical & Noise exposures: MSDS, HAZCOM, Hearing Protection
Printing services means the following services performed by or on behalf of the insured: camera processing, flexography, gravure, letterpress, lithography, photocopying, photo typesetting, plating, printing, stripping, typesetting, binding and finishing. Printing Services does not include exercising editorial control over the content of the material being printed or the collection or mathematical manipulation of data.
We will pay those sums that the insured becomes legally obligated to pay as damages because of any actual or alleged act, error, or omission committed or omitted by or on behalf of the insured in the performance of printing services. This insurance applies only to errors and omissions, or negligent acts which occur during the policy period. The error, omission or negligent act must take place in the coverage territory.
We will have the right and duty to defend any suit seeking those damages. We may at our discretion investigate any occurrence and settle any claim or suit that may result; however, our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements or medical expenses.
This insurance does not apply to:
- Personal and Advertising Injury arising out of your printing services;
- Infringement of copyright, patent, service mark, service name, slogan, title, trademark, or trade name;
- Damages or claims arising out of printing material for financial reports, contests, games of chance, lotteries or sweepstakes;
- Any claims for unfair competition or violation of anti-trust laws;
- Any claim for monies paid or allegedly paid by you;
- Any claim resulting from the insolvency or bankruptcy of the insured;
- Any claim arising from the writing or editing of customer's material;
- Any claim for damages which arise out of any negligent act, error or omission in printing services performed for the insured by others;
- Intentional, dishonest, fraudulent, criminal, or malicious acts, errors or omissions of the insured;
- Liability assumed under any contract or agreement;
- Any claim arising out of the actual, alleged or threatened discharge, dispersal, release or escape of poIIutants;
- Any claim for reimbursement of costs of:
- Printing, or printing materials;
- Recovery, shipment or reprinting caused by a physical defect in printing or publishing material;
- Correcting printing errors; or
- Additional services performed to correct deficiencies in the original printing services performed for others.
- Any claim for damages arising out of a violation of any civil rights law, including discrimination on account of race, religion, sex or age;
- Any claim for punitive or exemplary damages.
The most we will pay for the sum of all damages because of an injury arising out of each claim or suit that occurs during the policy period and arises out of Printers Errors and Omissions is the Occurrence Limit of Insurance shown in the Schedule.
The most we will pay for injury arising from all claims or suits during the policy period that arise out of Printers Errors and Omissions is the Aggregate Limit of Insurance shown in the Schedule. Our Limit of Insurance for this coverage will not be increased regardless of the number of insureds
Fleet safety is an essential part of a company’s safety program. Even if the company does not operate a fleet of company-owned vehicles, few companies can operate without an occasional business use of hired or non-owned vehicles by their employees.
The claim analysis of the printing and graphic imaging industry indicates that accidents in which the insured driver rear-ended another vehicle as the leading loss source in terms of frequency and severity. To prevent this type of accident, a fleet safety program should include screening driver qualifications, raise driver safety awareness, and implement driver accountability procedures can have a tremendous impact on this type of preventable accident. CNA offers resources to aid in the implementation of a fleet safety program, including guides and bulletins on managing fleet safety, accident prevention and driver safety awareness.
- Incidental drivers: sales people, managers, personal use, family members
- Small delivery: route driving, pick-ups and vans
- Larger delivery: newspaper trucks, pedestrian hazards, early AM shifts (fatigue, substance abuse)
- Contract Workers: news carriers, evidence of insurance & limits, condition of vehicles
A program for managing property risks is crucial in the prevention and mitigation of potentially catastrophic property losses. The claim data reviewed in this guide indicates that high-severity claims account for the majority of total incurred property losses for this industry segment. Property protection programs include emergency response plans, self-inspection procedures and other special procedures related to maintenance of fire protection systems and control of ignition sources.
Two areas in which special emphasis for the printing and graphic imaging industry are warranted include emergency response planning and security.
Emergency Response Planning — Plans need to be in place to respond to developing situations such as windstorms, earthquake and floods. The plans should encompass immediate action taken to minimize damage as well as well thought out plans to return the company to full production.
To recover from disruptions related to risks that may be natural, technological or human in nature, plan processes should serve to minimize interruptions to operations that can cause loss of business income, liability claims related to damage to property of others, loss of data of others, and interruptions of product delivery to customers.
The claim analysis shows high-severity losses for this industry segment are from a variety of causes, including fire, snow and ice, and wind damage due to hurricanes.
Security — Managing physical security should be a priority for the printing and graphic imaging industry that deals with confidential information. Security covers access control, and carefully crafted policies and procedures can address these exposures and are especially effective when coupled with relatively inexpensive security monitoring equipment.
- Combustible dusts , storage of flammables (inks, rags) & combustibles (paper, packaging),
- Smoking controls
- Housekeeping – indoors and outside
- Condition of building – exposures of other tenants in building
- Financial stability of insured (potential for arson, fraud)
The printing and graphic imaging industry in the United States is characterized by its rapid pace in fulfilling orders and growing dependence on computer technology. With this emphasis on speed and customer demand for quality, progressive printing and graphic imaging industry firms have adopted formal procedures to manage contracts for orders and control printing errors.
Printing error incidents begin with unexpected or poorly defined customer expectations that are created early on in the engagement. A formal contract creation and management program is important so that order contracts are crafted to clearly define these expectations and should include:
- Delivery dates
- Final review authority
- Printing stock or material characteristics
- Color definition and customer final review authority
- Expected life of the printed material on the product
- Environmental exposures
- Adhesive specifications and characteristics
- Confidentiality agreements
- Printing errors, misprints, damage to products printed
- Mailing & shipping errors, delays – customer has loss of sales
- Printing on labels & packages used for food containment; leaking of inks
- Slips & falls on premises – delivery persons, contract workers premises, slip & fall
- Printing operations: screen printing, digital printing, lithography, gravure, letterpress
- Printing & silk-screening on objects other than paper (textiles, T-shirts, plastic, metal, glass, etc.)
- Binding Services
- Typesetting and engraving
- Publishers without printing operations
- Manufacturers of bare, rigid printed circuit boards or printed wiring boards
- Corrugated and paper box converters
- Sign erectors, fabricators, installers and maintenance companies
- Legal documents
- Prize tickets
- Lottery tickets
- Telephone directories
- Warning/instructions for high tech or medical equipment
- Warnings/instructions for pharmaceutical products