Manufactoring & Industry Insurance
Tailored programmes for businesses where the risks are complex and the liabilities are significant.
Manufacturing Businesses Carry Risks that Standard Insurance Programmes Aren’t Built For
Manufacturing businesses carry a unique combination of exposures which many standard insurance programmes aren't built to reflect. You're responsible for the safety of your workforce, the quality and safety of your products once they leave your facility, the continuity of your production, and increasingly, the integrity of the systems and data your operation depends on.
A single product liability claim, a fire that halts production, a cyber-attack on your operational technology, or an environmental incident can have consequences that go well beyond the immediate damage. The financial impact of lost revenue, regulatory exposure, and reputational harm can be severe and long-lasting.
We understand that no two manufacturing businesses face the same risks, and we don’t treat them as if they do.
Our Approach: We Look Beyond the Surface
Before we make any recommendations, we take the time to understand how your business actually operates. That means understanding your production processes, your supply chain dependencies, your contractual obligations to customers and third parties, and the specific hazards your sector presents. That understanding shapes everything: the structure of your programme, the insurers we approach, and the terms we negotiate on your behalf.
What We Cover
Product Liability
Before we make any recommendations, we take the time to understand how your business actually operates. That means understanding your production processes, your supply chain dependencies, your contractual obligations to customers and third parties, and the specific hazards your sector presents. That understanding shapes everything: the structure of your programme, the insurers we approach, and the terms we negotiate on your behalf.
Product Recall and Financial Loss
Cover for the cost of a recall campaign, lost sales during withdrawal, and downstream liability to customers who have suffered loss as a result of a defective product. It is a risk that requires specific consideration as part of any manufacturer’s programme.
Business Interruption and Advanced Profits
If your production stops, the financial consequences start immediately. We build BI cover that reflects your actual turnover, indemnity period, and supply chain dependencies, not a standard figure that leaves you exposed.
Machinery Breakdown
Covering the cost of repair or replacement and the resulting business interruption, with access to specialist engineering insurers who understand complex plant.
Environmental Liability
Manufacturing processes can give rise to pollution or contamination events, whether gradual or sudden. Regulatory fines, clean-up costs, and third-party claims can arise independently of your main liability cover, making this a serious and often overlooked consideration.
Stock, Materials, and Goods in Transit
Protecting your raw materials, work in progress, and finished goods, whether on-site, in storage, or in transit to customers and distributors.
Employers Liability
A legal requirement for any business with employees. In a manufacturing environment, where the physical risk to your workforce is higher, the adequacy of your cover and the robustness of your health and safety documentation could affect how claims are handled.
Cyber Insurance
Manufacturing businesses are an increasingly attractive target, including ransomware targeting operational technology and production systems. Cover needs to address both the systems failure and the business interruption that follows.
Management Liability, Commercial Crime
For details on these covers and why every business needs them, see our Essential Cover page.
Speak to a specialist about your manufacturing & industry risks
Whether you're reviewing your current programme, switching brokers, or dealing with a change in your business that you're not sure your existing cover reflects, we're happy to have a talk.