These businesses compile mailing lists and prepare pre-printed products such as newspapers, magazines, letters and advertisements and mail them to their clients’ customers. Some may also develop advertising campaigns for clients and create and mail them out. We offer custom-tailored Mailing Service Insurance, including General Liability, Property, Crime, Business Auto, Workman’s Comp, and more.
General liability lawsuits can arise if customers or other visitors become injured at the mailing or addressing service’s location, or if personal customer information contained in mailing lists is wrongfully released.
Employees need protection from injuries while on the job, including any sustained while traveling for business purposes, such as deliveries. Mailing service employees are at particular risk due to the folding and stuffing machinery used in the operations.
A Business Auto policy covers owned, non-owned, and hired autos. There is some risk involved if employees are required to drive automobiles (typically hired or non-owned) for work-related purposes. Frequent travel and a wide radius of travel contribute to the business auto risks of mailing or addressing services.
The printers, packing materials, paper and electronic equipment used by mailing services that may be damaged or lost makes this policy essential. Inland marine coverage may be necessary to such property. The risk of loss is high if duplicates are not made of important documents and stored elsewhere. The premises of any business are at risk for damage by severe weather, fire, faulty electrical wiring or plumbing, or natural disasters such as an earthquake or tornado.
Dishonest employees are typically the culprits of crime at mailing or addressing service offices, such as embezzlement of bank accounts or theft of cash and equipment, and outsider theft of cash.