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Copying and stenography services are comprised of individuals who offer their stenography or shorthand skills to companies for the purposes of recording spoken words quickly to be transcribed into official documents. Copying and stenography services can be used in court hearings, official meetings or in any situation in which a company needs spoken words recorded rapidly.

General Liability Insurance for Copying & Stenography Services – Copying and stenography services will have minimal premises liability exposures since they typically travel to meet their clients. However, they should still practice good housekeeping to prevent customer trips and falls. Floors should be clean and in good repair. Furniture should be in good condition and have no defects or potential for customer injury. All wiring from equipment and computers should also be properly managed to prevent trip and fall accidents.

Professional Liability (Errors & Omissions) Insurance for Copying & Stenography Services – Professional liability risks should be low for copying and stenography services. However, any breach of confidentiality could result in a claim. Stenographers should also double-check their work for accuracy in order to reduce errors and potential claims.

Workers’ Compensation Insurance for Copying & Stenography Services – Employees of copying and stenography services may suffer from carpal tunnel syndrome or other repetitive motion injuries to their arms, neck, or back. They should take periodic breaks whenever possible between speakers in order to avoid injury.

Business Auto Insurance for Copying & Stenography Services – Employees of copying and stenography services will normally drive to the courthouse or meeting location. Employee used vehicles can result in vicarious liability to the business. By running MVRs on all drivers prior to employment, risks can be controlled. Other risks controlling factors include the requirement that all drivers carry sufficient Personal Auto Liability limits to be maintained and verified at each policy expiration. Frequent travel and driving in city traffic will also increase business auto liability risks.

Property Insurance for Copying & Stenography Services – Fire exposures from adjoining premises can be reduced by either an appropriate distance barrier or by the use of approved firewalls if the buildings are attached. The age and construction type of the building will impact fire risks for copying and stenography services. Buildings over 20 years old that have not been updated with new electrical and wiring systems will be at greater risk of fire. If large amounts of paper files are kept in the office, the fire load will be increased as well. Electronic imaging will reduce fire risks.

Crime Insurance for Copying & Stenography Services – Crime risks should be low for copying and stenographic services. However, employees should be screened with detailed applications, reference checks, and background checks prior to being hired in order to reduce risks of embezzlement.