Coverage requirements
Greeting Card Publishers
Last updated August 2026 · Maintained and reviewed by the Advocate Insurance Consultants coverage research team.
Overview
What an adequately protected Greeting Card Publishers program looks like
Greeting card companies produce cards for all occasions using printing and finishing machinery. Operations run large volumes of cardstock and paper through equipment with nip points and moving parts. Machinery injuries and a heavy fire load of paper make workers' compensation and property leading exposures. Greeting card publishers face exposures that this Advocate Standard profile addresses by benchmarking Auto Liability, General Liability, Pollution Liability, Worker's Compensation, Fidelity Bond, with limit and deductible standards matched to carrier financial-strength requirements.
Key takeaways
- Spans 150 published requirements across 44 coverage type-peril pairs.
- Applies to 2 asset types: Manufacturing, Media & Publishing Operator.
- Covers 16 coverage types and 15 distinct perils.
At a glance
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Completion score
9 of 44 WIM pairs required
Coverage tower
Required limits by coverage type and peril
Requirements
Full requirement set for Greeting Card Publishers
Every requirement in the Advocate standard, 150 rows across limits, deductibles, carrier rating, and presence checks. Search and filter to drill in.
Showing 50 of 150 matching · 150 total
Compliance
Who requires Greeting Card Publishers
- Greeting card insurance is requested by the partners a greeting card publisher depends on across production and distribution.
- Retailers and distributors often require general liability and product evidence before stocking cards, while licensors of artwork and characters ask for indemnification and additional insured status.
- Lenders financing printing and finishing machinery or a plant make property, equipment breakdown, and general liability conditions of funding.
- Equipment lessors and suppliers set coverage minimums, and carriers and reinsurers underwriting the account, along with brokers placing it, focus on machine-related injury, heavy paper fire load, and pollution exposure.
- Investors reviewing a greeting card manufacturer expect property, workers' compensation, and general liability to be seated.
- Landlords and freight partners handling shipments may also request certificates before goods move.
Carrier standard. Carrier must have AM Best rating >= A- and size >= VII.
Advocate runs these checks automatically for the brokers who place media, arts & publishing coverage.
Exclusions
What Greeting Card Publishers does not cover
- A greeting card publisher program anchored by property, workers' compensation, general liability, and pollution still leaves gaps.
- With no cyber liability in place, a breach of customer or licensing data, ransomware, and network interruption go uncovered.
- Media and publisher's liability are not present, so copyright and design infringement claims tied to card artwork and text may fall outside the tower, an important gap for a business built on original content.
- The program likewise lacks directors and officers liability and employment practices liability.
- Property wording typically requires separate sublimits for flood and earthquake, and equipment breakdown addresses machinery failure but not gradual wear.
- Product recall of defective card runs, contractual liability assumed in retailer agreements, and pollution beyond the specified terms are commonly limited.
- Bodily injury from finished products is generally addressed only through products-completed operations wording.
Risk advisory
Typical coverage gaps in Media, Arts & Publishing
Greeting card publishers combine a manufacturing floor with original creative content, so the coverage should address both machine hazards and intellectual property.
- Because printing and finishing equipment carries nip points and moving parts, confirm workers' compensation classifications reflect machine operation and that safety controls support favorable experience.
- Verify property limits capture a heavy paper fire load and that business income covers the extended time to replace specialized machinery and resume runs after a loss.
- Add equipment breakdown for presses and finishing lines, and confirm it responds to electrical and mechanical failure.
- Because card designs and greetings are original works, add media or publisher's liability to address copyright and design infringement claims, which the current structure omits.
- Add cyber liability to protect customer and licensing data, review products-completed operations for finished-card claims, and secure standalone flood and earthquake where the plant sits in an exposed zone.
FAQ
Frequently asked questions
What insurance do greeting card companies need?
Greeting card publishers rely on property sized to a heavy paper fire load, workers' compensation for machine-related injuries, and equipment breakdown for presses and finishing lines. General liability and pollution coverage support the plant, while adding media or publisher's liability protects original card designs and text, and cyber liability protects customer and licensing data.
Why is workers' compensation a leading exposure for greeting card makers?
Greeting card production runs large volumes of cardstock and paper through printing and finishing machinery with nip points and moving parts, creating a real risk of machine-related injuries. Workers' compensation is therefore a leading exposure, and greeting card publishers should confirm classifications reflect machine operation and that safety programs support favorable claims experience.
Do greeting card companies need copyright coverage?
Yes. Greeting card publishers create original artwork and greetings, which can draw copyright and design infringement claims. Because many manufacturing programs omit media and publisher's liability, these content claims may fall outside coverage. Adding media or publisher's liability closes an important gap for a business whose value rests on original creative content.
Is equipment breakdown coverage necessary for greeting card production?
Yes. Greeting card publishers depend on specialized printing and finishing machinery, and a mechanical or electrical failure can halt production and idle the plant. Equipment breakdown coverage responds to these losses and supports business income during repairs. Standard property policies exclude machinery breakdown, so the coverage should be added explicitly.
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