(July
2026)
Printers have unique exposures;
however, they do not rise to the level where they are covered as professional. Losses
involve errors or omissions that may occur while preparing and completing
printing processes and services.
Printers errors and omissions
liability coverage is an important part of the insurance protection that
printing operations need. BP 08 04–Printers Errors and Omissions Liability was
developed to provide this important insurance protection for printing
operations that meet the Businessowners Program eligibility criteria.
NOTE: This coverage
applies to only printing errors and omissions. It does not apply to operations
that involve writing or publishing.
The coverage provided by this endorsement is subject to the Business
Liability provisions. Business Liability coverage extends to damages due to the
insured's negligent acts, errors, and omissions in providing printing services.
This coverage is for amounts the insured is legally liable for due to damage that
results from any negligent act, error, or omission in its providing of printing
services.
Section II–Liability B. Exclusions is changed in a number of ways.
1. Paragraph m. Damage to
Your Work and only item (6) of paragraph k. Damage to Property do not apply to
this coverage.
2. Six exclusions are
added. The coverage this endorsement provides does not apply to any claim:
a. That results from
criminal acts the insured or any person for whom the insured is responsible
commits. This includes, but is not limited to, fraud.
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Examples: Piper Printing and other printers in the local area
intentionally set excessively high rates for their services. Customers sue
Piper after they discover the collusion. This incident is excluded. Piper Printing guarantees a specific quality of
paper and ink for a specific job. In order to cut costs, it uses lesser
quality paper and ink but still represents these materials as the more
expensive ones. Piper is sued, but this incident is also excluded. |
b. That results from
infringing on copyright, trademark, trade name, or service mark by using them
with goods, products, or services the insured sells, advertises, or offers for
sale.
NOTE: Infringing
does not apply to titles or slogans.
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Example: There is no coverage if Piper Printing uses the
logo of a well-known, reputable printing franchise without authorization to
gain customers. |
c. That involves
reimbursement of costs of printing or printing materials.
NOTE: While most other damages are covered,
the insured's actual printing costs and the materials it uses are not. The
insured must fund these expenses from its own resources.
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Example: Piper Printing prints a brochure for a resort that incorrectly
advertises room rates at $50 per night instead of the correct rate of $250
per night. Fortunately, it discovers the mistake before it sends the
brochures to the resort. Because a special job run is required, Piper calls
in some employees who work at time-and-a-half rates and incurs additional
expenses to reprint the brochure. These costs are not covered. Coverage
applies if Piper delivered the incorrect brochures and was sued by the
customer, but the costs of printing and materials are not. |
d. That involves the
insured's insolvency or bankruptcy.
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Example: Piper Printing files for bankruptcy. This results in
several jobs not being finished. Coverage does not apply to the suits filed
against Piper for the jobs it did not finish. |
e. That involves the
insured's publishing activities.
NOTE: Coverage applies when the
insured prints to the specifications of others. It does not apply to damages
that result when it develops, designs, writes, or commissions the actual copy
or text used.
f.
That
result from writing material for the insured's customers.
NOTE: Writing is considered part of
publishing and is excluded.
This section amends the
liability and medical expenses limits of insurance to include printing acts,
errors, and omissions.
Any act, error,
or omission combined with all related acts, errors, or omissions in providing
these services is treated as a single act, error, or omission when determining
this endorsement's limits of insurance.