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Manufacturer Insurance Explained: Machinery, Products & Liability
Manufacturing is a fast-moving sector that relies on machinery, skilled workers, and safe products. With so many moving parts, the risks are high.…
ManufacturingInsurance
Manufacturing Insurance
Public liability and product liability cover built for manufacturers, covering the machinery, materials and finished goods that come with making things.
Public liability and product liability cover built for manufacturers, covering the machinery, materials and finished goods that come with making things.
Goods you makeMachinery & stockStaff around machinery
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Speak to a specialist 0330 027 0996
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What is manufacturing insurance?
Manufacturing insurance is a combination of covers built around making goods, public liability for injury or damage, product liability if something you’ve made causes harm, and employers’ liability for staff working around machinery.
One policy. Multiple risks. A machinery fault, a faulty finished product, or an injury on the factory floor can all lead to a claim.
The right manufacturing cover depends on:
What you manufactureMachinery and equipment valueNumber of employeesWhether you own your premisesSupply chain and export marketsUse of hazardous materials
Cover that fits the way you manufacture
Cover that fits the way you manufacture
Machinery, materials and finished goods bring their own everyday risks.
Machinery, materials and finished goods bring their own everyday risks.
RecommendedPublic Liability
Protection if a visitor or member of the public is injured or their property is damaged.
RecommendedEmployers’ Liability
A legal requirement once you employ any staff, even casual help.
RecommendedProperty & Contents
Protection for your machinery, fixtures and premises.
RecommendedBusiness Interruption
Support for loss of income if an insured event stops you trading.
OptionalStock & Materials
Cover for raw materials and finished goods.
OptionalProduct Liability
Protection if a product you’ve made causes injury or damage.
What could go wrong in a manufacturing business?
What could go wrong in a manufacturing business?
Most manufacturing claims come from machinery breakdown halting production, a faulty product causing harm, a staff injury, or damage to raw materials.
Most manufacturing claims come from machinery breakdown halting production, a faulty product causing harm, a staff injury, or damage to raw materials.
Is this cover right for your business?
This type of business insurance may suit you if you manufacture or make products.
The right cover depends on:
Small-batch manufacturersContract manufacturersFood and drink producersManufacturers with multiple sitesManufacturers exporting goodsManufacturers with employeesReal-world risks. Real-world protection.
Real-world risks. Real-world protection.
Machinery breakdown, a faulty product, a staff injury and a visitor injury are the four manufacturing scenarios insurers see most. Each responds to a different cover.
Machinery breakdown, a faulty product, a staff injury and a visitor injury are the four manufacturing scenarios insurers see most. Each responds to a different cover.
Machinery breakdown
Equipment failure halts production.
Potential cover
Business Interruption
Faulty product
A manufacturing defect causes injury or damage.
Potential cover
Product Liability
Staff injury
An employee is injured working with machinery.
Potential cover
Employers’ Liability
Visitor injury
A visitor to your factory is injured on-site.
Potential cover
Public Liability
How much does manufacturing insurance cost?
There’s no fixed price. It depends on what you manufacture, staff numbers, machinery value and your claims history.
What you manufacture
Some products carry higher product liability risk than others.
Whether you own or rent
Owning your premises adds buildings insurance to consider.
Number of staff
More employees increase your employers’ liability exposure.
Level of cover
Adding product liability or a higher limit increases your premium.
Machinery and equipment value
Higher-value machinery increases your contents cover premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How the quote process works
How the quote process works
Getting manufacturing insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting manufacturing insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your business
What you make, and whether you have staff.
2
Choose your covers
Public liability, product liability and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Manufacturing insurance guides
Manufacturing insurance guides
Machinery, faulty goods and when product liability responds to a claim.
Machinery, faulty goods and when product liability responds to a claim.
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Manufacturing insurance FAQs
Manufacturing insurance FAQs
Straight answers on cover, product liability and cost.
Straight answers on cover, product liability and cost.
Manufacturing insurance is a combination of covers built around making goods: public liability for injury or damage, product liability if something you’ve made causes harm, and employers’ liability for staff working around machinery.
Still have questions?
Our advisers are here to help you find the right solution.