Manufacturing & Industry Insurance
We design tailored insurance programmes for businesses
that require a deeper understanding of their risks,
liabilities, and long-term objectives.
Manufacturing Businesses Carry Risks that Standard Insurance Programmes Aren’t Built For
We understand that no two manufacturing businesses face the same risks, and we don’t treat them as if they do. Manufacturing businesses face a unique combination of risks that many standard insurance programmes are not designed to address. You're responsible for protecting your workforce, maintaining product quality and safety beyond your facility, keeping production running, and safeguarding the technology and data that increasingly underpin your operations.
The impact of a major event can extend far beyond the initial loss. A product liability claim, a fire causing production downtime, a cyber incident affecting operational systems, or an environmental event can result in significant financial pressure, regulatory scrutiny, and lasting reputational damage.
We understand that every manufacturing business is different. That's why we take the time to understand your operation, identify your specific exposures, and develop an insurance programme designed around the risks that matter most to you.
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 insight informs every decision we make, from designing the right programme structure to selecting the most suitable insurers and negotiating terms that reflect your specific needs.
How we protect your business
Product Liability
Cover for claims arising from products you manufacture, supply, or distribute including third-party injury, property damage, and the costs of defending allegations. This is a core element of any manufacturer's programme and the scope of cover matters as much as the limit of indemnity, jurisdictional requirements and efficacy.
Product Recall and Financial Loss
Cover for the cost of a recall campaign 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 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, finished or customers 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.
Discuss your manufacturing risks with experienced industry specialists
Whether you're reassessing your current programme, looking for a new broker, or concerned that your insurance no longer keeps pace with your business, we'd be happy to discuss your options.