Manufacturing Insurance

Cover for businesses such as factories, warehouses and plants, or mills that extract, process and/or manufacture goods.

Our Commercial Combined insurance provides Material Damage cover, which includes warehouse, machinery, plant, contents, stock and more. 


Insurance for manufacturers 

According to statistics gathered by the Health and Safety Executive, manufacturing is amongst the UK industries with higher than average rates of accidents that lead to injuries. Even the most scrupulously managed warehouse or factory contains hazards, which is why you need a manufacturing insurance policy to cover you against a range of risks.

We work with a number of insurers so we can offer you a manufacturing insurance policy that meets your individual needs, putting our 30+ years of experience and specialist team to work for you.

Call us on 0800 051 4199 for a Manufacturing Insurance quote

How our insurance for manufacturers can help your business

Our product is designed for a variety of small, medium and large sized UK based enterprises involved in the manufacturing industry, providing a broad policy offering for any single or multi-site risks up to (select one of the following: 250 employees, £25Million turnover or £30Million exposure for property and business interruption) to cover damage to property of the business, interruption to gross profit as well as cover for their legal liabilities to their employees, customers and members of the public backed with a financially secure 'A' rated insurer.

Material Damage cover is a core component of our insurance for manufacturers, which covers warehouses, machinery, plant, stock, contents and more. Other covers including Public Liability are optional, however Employers Liability is a legal requirement if you have employees in your business.

Aside from Material Damage, which comes as standard, you can pick and choose from the following policy elements that are relevant to your business, to build a bespoke policy for the cover you require. 

Material Damage

  • Third Party Storage Sites
  • Stock at Exhibitions
  • Loss of Rent
  • Public Authorities Clause extends to include additional costs for sprinklers to comply with LPC rules
  • Trade Samples anywhere in EEA – £500 any 1 item, £10,000 any 1 claim
  • Further investigation costs – £5,000
  • Loss Minimisation and Prevention expenses – £25,000
  • Fuel spillage and clean up costs – £25,000
  • Where a Non Ferrous Metals Declared value is provided, cover automatically included 25% uplift to cushion fluctuations in commodity prices

Business Interruption

  • Unspecified Suppliers
  • Unspecified Customers
  • Failure of Utilities Supply - £25,000 with a 3 month indemnity period
  • Cover automatically extends to include cover in respect of loss of patterns at premises not occupied by the Insured
  • Extended supply chain – £50,000

Employers Liability, Public Liability and Products Liability

  • Corporate Manslaughter

Public Liability and Products Liability

  • Financial Loss
  • Environmental Statutory Pollution Clean Up Costs
  • Legionellosis

Public Liability

  • Libel and Slander

Option for a Fixed Rate Agreement

Example Trades we cover:

  • Alcoholic and Soft Drinks
  • Audio/Visual
  • Builders Supplies
  • Clothing
  • Computer Equipment and Accessories
  • Double Glazing Manufacturers
  • Food Products
  • Electrical White and Brown Goods
  • Electro Mechanical Goods
  • Electronic Components
  • Electronic Engineers
  • Furniture (Wood and/or Metal)
  • Glass and Glassware
  • Hardware
  • Metal (Stainless Steel)
  • Metal Fabrication
  • Office Equipment
  • Plastics
  • Scientific Instruments
  • Woodwork

Agricultural and manufacturing businesses face numerous risks outside of their control every day. If your business is unlucky enough to suffer damage to or theft of goods, loss of income, or equipment failure due to an insured event, the right manufacturing insurance policy can limit the financial damage.

Call our specialist advisors on 0800 051 4199 (lines are open Mon - Fri 9am - 6pm) to discuss the covers you’d like to be included in your manufacturing insurance policy.

Alternatively, click “Request a callback” above and fill on some details so we can get in touch with you.

Covers to consider

Public liability insurance is widely seen as essential for all industries. Find out what public liability insurance is and how it can cover your business against legal claims from third parties.

Employers’ Liability Insurance is a legally essential form of cover for any business with employees (which includes apprentices). This article,  ‘Employers' Liability insurance explained’  tells you what you need to know.

Call us on 0800 051 4199 for a quote in minutes


Policy Documents

Policy Booklet

Key Facts

Why insure with us?

We work closely with a wide range of businesses. This helps us understand how you work and the challenges you face. So you can be sure we'll take the time to get to know your business, and try to provide the right level of cover.

Other Cover Available

Small Business Insurance

Home Business Insurance

Shop Insurance

Surgery Insurance

Office Insurance

Professionals Insurance

Pub & Restaurant Insurance

Hospitality Insurance

Bakers & Cake Makers Insurance

Hairdressing & Salon Insurance


Request a callback

* Please note, if you select a Bank Holiday, we will call you on our next working day.
Our operating hours are 9am to 6pm Monday to Friday, excluding bank holidays.

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