Manufacturers Insurance
Wide Insurance Panel With 80+ Providers
Cover Options Designed Around Your Business
Excellent Customer Reviews
Manufacturing Insurance for UK Businesses
Manufacturing businesses face a wide range of risks, from machinery breakdowns and damage to stock through to employee injuries, product liability claims and business interruption. An unexpected incident can affect production, deliveries, employees and revenue, making appropriate insurance an important part of managing your business risks.
At 1st Choice Insurance, we arrange manufacturing insurance for businesses across the UK, helping manufacturers explore cover options from a wide panel of insurance providers.
Whether you operate a small manufacturing workshop, engineering business, production facility or large industrial premises, we can help you consider the insurance requirements associated with your business, machinery, premises, employees, stock and products.
We take the time to understand how your manufacturing business operates before discussing the available cover options, helping you arrange a policy that reflects your individual circumstances.
Get a Manufacturers Insurance Quote
Looking for manufacturing insurance for your business?
We can discuss your manufacturing activities, premises, machinery, stock, employees and other risks to help identify the types of cover you may require.
Call us on 03301 081615 or complete our quote form and a member of our team will contact you.
What is Manufacturing Insurance?
Manufacturing insurance is a form of commercial insurance designed for businesses involved in producing, assembling, processing or supplying goods.
Manufacturers can face risks that differ from those encountered by many other businesses. Production machinery, raw materials, finished products, employees, premises and supply chains can all be exposed to damage, loss, accidents and other unexpected events.
A manufacturing insurance policy can bring together a range of different covers, depending on your business and the risks involved.
Cover may be available for:
- Factory and manufacturing premises
- Machinery and production equipment
- Raw materials and stock
- Work in progress
- Finished goods
- Business interruption
- Public and employers’ liability
- Products liability
- Goods in transit
- Business equipment
- Legal expenses
The cover available will depend on your individual circumstances, the type of manufacturing you undertake and the terms, conditions and exclusions of the policy.
Who Needs Manufacturing Insurance?
Manufacturing insurance can be suitable for businesses involved in a wide range of production and manufacturing activities, including:
- Automotive manufacturers
- Car parts manufacturers
- Engineering and metal fabrication businesses
- Electronics and electrical manufacturers
- Plastics manufacturers
- Food and drink manufacturers
- Textile and clothing manufacturers
- Furniture manufacturers
- Woodworking businesses
- Packaging manufacturers
- Machinery and equipment manufacturers
- Component manufacturers
- Small production workshops
- Industrial manufacturing businesses
Whether you operate from a workshop, factory, warehouse or multiple manufacturing sites, the right combination of commercial insurance can help you manage the financial risks associated with your operations.
What Does Manufacturing Insurance Cover?
There is no single manufacturing insurance policy that is suitable for every business. Your cover can be structured around your manufacturing activities and the risks associated with your premises, machinery, employees, stock and products.
Some of the covers that may be available include:
Buildings Insurance
Buildings insurance can protect manufacturing premises against insured events such as fire, storm, flood and other specified causes of damage.
For businesses that own their premises, the sum insured should reflect the appropriate rebuilding cost rather than simply the market value of the property.
Machinery and Equipment Cover
Manufacturing businesses often rely heavily on machinery and specialist production equipment.
Insurance can provide cover for insured damage to machinery and equipment, helping with the cost of repair or replacement following an insured event.
Stock and Contents Insurance
Manufacturers may hold significant quantities of raw materials, components, work in progress and finished products.
Contents and stock cover can protect insured property against events such as fire, theft, escape of water and other insured causes of loss or damage.
Public Liability Insurance
Public liability insurance can protect your business if a third party claims they have suffered injury or property damage as a result of your business activities.
This may be relevant where customers, suppliers, contractors or other visitors attend your manufacturing premises.
Employers’ Liability Insurance
If your manufacturing business employs staff, employers’ liability insurance is generally a legal requirement in the UK.
It provides cover for claims made by employees who suffer injury or illness as a result of their employment.
Business Interruption Insurance
A fire, flood or other insured event could prevent your manufacturing business from operating normally.
Business interruption insurance can help protect your income and cover certain additional costs following an insured event, allowing you time to repair your premises or equipment and resume operations.
The level and duration of cover should reflect the time it could realistically take your business to recover.
Goods in Transit Insurance
Manufacturers regularly transport raw materials, components and finished products.
Goods in transit insurance can provide cover for goods while they are being transported, depending on the policy and circumstances.
Legal Expenses Insurance
Legal expenses insurance can help with certain legal costs associated with business disputes and other insured legal matters.
Depending on the policy, this could include areas such as employment disputes, contractual disputes or certain investigations.
Benefits of Manufacturing Insurance
The right insurance arrangements can help manufacturers manage some of the financial risks associated with running a production business.
Protects Your Manufacturing Premises
Buildings and contents insurance can help protect your premises and business assets against insured damage.
Helps Protect Machinery and Equipment
Manufacturing machinery can represent a significant investment. Appropriate insurance can provide financial protection against certain insured losses and breakdowns.
Supports Business Continuity
Business interruption cover can help protect your income following certain insured events that prevent your business from operating normally.
Protection Against Liability Claims
Public, employers’ and products liability insurance can provide protection against different types of third-party and employee claims.
Cover for Stock and Materials
Insurance can help protect raw materials, work in progress and finished products against insured events.
Flexible Cover
Your insurance can be structured around your individual manufacturing activities, premises, equipment, stock values and other business risks.
Support as Your Business Changes
As your manufacturing operation grows, your insurance requirements may change. Regular reviews can help ensure your policy continues to reflect your business.
Frequently Asked Questions About Manufacturing Insurance
Is manufacturing insurance a legal requirement?
Manufacturing insurance itself is not generally a legal requirement. However, employers’ liability insurance is generally required if you employ staff, subject to certain exemptions. Other covers, such as public liability, products liability and machinery insurance, may be appropriate depending on your business.
Does manufacturing insurance cover machinery breakdown?
Machinery breakdown cover can be included or arranged separately, depending on the policy and insurer. It can provide protection against certain mechanical or electrical breakdowns.
Can I insure my factory and machinery under one policy?
Yes, commercial insurance packages can often combine buildings, contents, machinery and other covers. The available options will depend on your circumstances and the insurer.
Does manufacturing insurance cover products?
Products liability insurance can be arranged to protect manufacturers against certain claims arising from products they have manufactured or supplied.
Can I include business interruption cover?
Business interruption insurance can be included to help protect your business following certain insured events that interrupt your normal operations.
Can multiple manufacturing sites be insured?
Depending on the insurer, businesses operating from multiple premises may be able to arrange cover under one policy.
Can small manufacturing businesses get insurance?
Manufacturing insurance can be arranged for businesses of different sizes, from self-employed manufacturers and small workshops through to larger manufacturing companies.
Request a quote - it’s simple
We’re here to help Monday-Friday, 9am-5pmÂ