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Engraving companies use manpower and machinery to create impressions on hard, flat materials, including papers. Engraving is used on a variety of products, including cards, envelopes, jewelry and musical instruments. The activities of engraving companies include cutting paper to its appropriate size.

General Liability Insurance for Engraving Operations – Premises liability risks are low for engraving operations since customers generally do not access these operations. However, all furniture and displays should be stable to avoid any tip over hazard. If retail space is provided, care must be taken for merchandise to be secure on shelves to prevent shelving collapse and related customer injuries. Engraving operations may be liable if their disposal of chemicals and metals has a negative impact on the environment.

Professional Liability (Errors and Omissions) Insurance for Engraving Operations – Engraving operations may face lawsuits if they make mistakes in their engraved products. This risk is elevated if copy and/or images are not reviewed and approved before engraving takes place.

Workers’ Compensation Insurance for Engraving Operations – Workers at engraving operations could become injured due to exposure to chemicals, lifting heavy items and operating heavy machinery. Types of injuries may include back injuries, cuts and burns. Repetitive motion injuries may also be an issue. On the job training should be provided to all employees of engraving operations. The use of personal protective gear should also be required when appropriate.

Business Auto Insurance for Engraving Operations – Employees of engraving operations may use vehicles for pick-up and delivery services and other duties, and in that case, there is a risk of automobile accidents. When employees drive their own vehicles for business use, they should be required to carry Personal Auto Liability limits of at least $300,000 combined single limits.

Property Insurance for Engraving Operations – If flammable solvents are used in the engraving operation, there is a high risk of fire due to the combination of flammable materials and high volume of paper. A one-hour firewall should be in place between the engraving operation and any adjoining businesses. Valuable documents and data stored on computers would be lost in the event of a fire unless duplicates are kept off-site. Inland marine property coverage may be needed for specialized coverages such as electronic data processing hardware, software, and personal property of others.

Crime Insurance for Engraving Operations – The primary crime risk at engraving operations is the opportunity employees have to steal from their employers. This risk is high especially if auditing and reconciliation does not take place regularly or if disbursement, billing and ordering activities are not kept separate. Outsiders can engage in theft by making payment for engraving services with invalid credit cards or checks. Employees should be trained to use identifying equipment for fraudulent payments.