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Manufacturing
Insurance
Independent service from your local insurance specialists
Need a manufacturing insurance quote? Let the independent specialists at Coversure compare their markets to find you great manufacturing insurance protection. From employers' liability and professional indemnity insurance to marine cargo and fleet insurance, your local Coversure office can create a package of manufacturer's insurance that's tailored to your business's needs.
Engineering and manufacturing businesses face a wide range of risks every day, from machinery breakdowns and supply chain disruption to design errors and workplace accidents. Whether you operate a fabrication workshop, engineering consultancy, manufacturing plant, or specialist contracting business, having the right insurance in place is essential.
At Coversure, we can source Engineering & Manufacturing Insurance solutions designed to protect engineering firms, manufacturers, contractors, and specialist trades across the UK. Our experienced advisers work with leading insurers to help businesses secure reliable protection that suit their operations, workforce, equipment, and industry requirements.
Whether you need cover for a small engineering company or a larger manufacturing operation, we can help arrange competitive and flexible insurance solutions.
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Why Engineering & Manufacturing Businesses Need Insurance
Engineering and manufacturing businesses often operate in high-risk environments involving heavy machinery, specialist tools, technical advice, production processes, and strict health and safety regulations. A single incident could lead to expensive legal claims, equipment downtime, damaged stock, or project delays.
Having the right engineering insurance policy in place helps protect your business financially and gives you confidence to continue operating, tendering for contracts, and growing your company.
Whether you provide engineering services, manufacture components, install equipment, or manage large industrial projects, the right insurance can help protect your reputation, assets, employees, and customers.
Types of Engineering & Manufacturing Insurance
Professional Liability Insurance for Engineers
If your business provides technical advice, calculations, specifications, or designs, Professional Indemnity insurance is essential. Also known as Professional Liability Insurance for engineers, this cover can help protect your business against claims arising from professional mistakes, negligence, incorrect advice, or design errors.
This type of cover is particularly important for:
- Structural engineers
- Civil engineers
- Mechanical engineers
- Electrical engineers
- Engineering consultants
- Design engineers
Public Liability Insurance
Accidents can happen on-site, in workshops, or at client premises. Public liability insurance helps protect engineering and manufacturing businesses if a third party suffers injury or property damage connected to your work.
This is one of the most important forms of engineering liability insurance for businesses that regularly deal with customers, suppliers, contractors, or members of the public.
Employers’ Liability Insurance
If you employ staff, employers’ liability insurance is a legal requirement in most cases. Manufacturing and engineering environments can involve machinery, lifting equipment, fabrication processes, and hazardous materials, making this cover particularly important.
Employers’ liability insurance helps protect your business if an employee suffers illness or injury due to their work.
Engineering Inspection Insurance
Many engineering businesses rely on machinery, lifting equipment, pressure systems, and plant machinery to operate efficiently. Engineering inspection insurance helps ensure your equipment is regularly inspected and compliant with health and safety regulations.
This cover is commonly used for:
- Forklifts
- Compressors
- Lifting equipment
- Boilers
- Production machinery
- Pressure vessels
Machinery Breakdown Insurance
Unexpected equipment failure can stop production and lead to costly downtime. Machinery breakdown insurance helps cover repair or replacement costs for essential equipment and can reduce disruption to your operations.
For manufacturers, this can form an important part of your overall engineering insurance cover.
Contractors All Risks Insurance
For engineering contractors working on-site or installing equipment, contractors all risks insurance can provide protection for ongoing projects, tools, plant, and materials.
This is particularly useful for businesses involved in:
- Mechanical installation
- Electrical engineering
- Industrial engineering
- Construction engineering
- Manufacturing installation projects
Commercial Property Insurance
Engineering and manufacturing businesses often operate from workshops, factories, warehouses, or industrial units. Commercial property insurance can help protect your premises, machinery, stock, and business contents against risks such as fire, flood, theft, or accidental damage.
Business Interruption Insurance
If your manufacturing facility or engineering workshop is unable to operate following an insured event, business interruption insurance can help cover lost income and ongoing operating costs while your business recovers.
This can be crucial for engineering firms working to strict production schedules or contractual deadlines.
Cyber Insurance for Engineering Businesses
Modern engineering firms increasingly rely on digital systems, CAD software, cloud platforms, automation, and customer databases. Cyber insurance helps protect businesses against cyber-attacks, ransomware, data breaches, and system downtime.
Engineering & Manufacturing Insurance for Different Businesses
Coversure can source insurance for a wide range of engineering and manufacturing sectors, including:
- Structural engineering firms
- Mechanical engineers
- Electrical engineering companies
- Manufacturing businesses
- Precision engineering firms
- Fabrication companies
- Engineering contractors
- Industrial manufacturers
- Production facilities
- Automation specialists
- CNC machining businesses
- Engineering consultants
Whether you need insurance for engineering firms, insurance for engineering contractors, or protection for large manufacturing operations, Coversure can help.
Commercial legal expenses
Will cover you financially should you face legal action in connection with your manufacturing business
Theft By Employees
Should an employee steal from you, you’d be able to make a claim
Cyber insurance
Cyber-attacks are dangerous, potentially costly, and on the rise. 39% of U.K. firms experienced a security breach, cyber-attacks are up 10% on 2021, with 93% of large organisations have been targeted, according to The Department for Business, Innovation and Skills**. Today, cyber insurance can be considered as essential as protecting your stock or employees. Cyber insurance allows you to remain protected from the costs of ransomware attacks, data loss, reputational damage, and more.
Directors’ and officers’ insurance (D&O)
As the business’s leaders, senior figures can be personally liable for a business’s actions and face hefty financial losses should legal action go against them. Directors’ and officers’ insurance – or D&O insurance as it’s also known – protects your senior members from the costs of legal action, allowing them to focus on their jobs
Goods in Transit
If you deliver goods to your customers, then goods in transit insurance is a good policy element to have in place. This will protect the stock you are travelling with from theft, loss, or damage while you, or your drivers and their deliveries, are on the road
Business Interruption
If something catastrophic happened to your business – such as a fire or flood – and your premises is forced to close for a while, could you cope? With no money coming in and bills needing to paying, would you be able to keep putting food on your table while not doing so for your customers? Business interruption cover provides you with an income while your business is out of action, providing much-needed peace of mind in a time of stress
Commercial buildings cover
Do you own the building in which your business operates? If so, you’ll need commercial buildings insurance to protect your bricks and mortar. Buildings insurance protects you from the cost of repairing or rebuilding your building if it’s damaged by risks such as floods, fires, vandalism, or explosion.
Stock Cover
If you run a shop, pub or restaurant, distributor, or manufacturing plant, you’ll want stock cover to protect your goods – particularly if your stock is expensive items like technology, art, or alcohol or is frozen meat, fresh veg, or anything in between. Stock cover assists with the costs of replacing or repairing your inventory if it’s damaged, lost, or stolen. Stock cover protects your supplies in the event of storm damage, flood, fire, or theft—a crucial policy element given how expensive your stock can be
Product liability
Did you know that if the products you use, recommend, or sell cause problems, you can be liable for damages? Products are central to your business, and if something goes wrong, you can be liable for claims and compensation. Should this happen to you, product liability insurance covers the costs of any compensation you are made to pay, together with the legal fees
Employers’ liability
This is a legal requirement if you employ people. It provides cover in the event of your employee injuring themselves or if their property is damaged while at work. The law says that if you employ at least one person, you must have employers’ liability insurance (sometimes called ‘E.L. insurance’) to protect your employees in case they are injured or become ill as a result of working for you. Your policy must:
- Cover you for at least £5 million
- Be with an authorised insurer
- And employers must provide a safe working environment
For Event Security it’s important to check the requirements of your policy. Some policies insist on every steward requiring a minimum of Level 2 NVQ in Spectator Safety. This can be challenging in certain circumstances. Coversure has the capacity to offer policies that do not stipulate this.
Public Liability
Provides cover should a member of the public injure themselves or if their property is damaged while you are working. It covers the cost of claims made by members of the public for incidents that occur in connection to your business’s activities, for example if they slip on the floor and decide to sue you, you’ll be covered.
Cover of up to £10 million can be offered under certain circumstances as many organisations are now requesting this amount as a minimum level of indemnity.
Why Choose Coversure?
Choosing the right engineering insurance broker is important. At Coversure, we work closely with engineering and manufacturing businesses throughout the country to help arrange suitable cover at competitive prices.
With Coversure, you benefit from:
- Access to a range of insurance companies
- Flexible cover options
- Competitive premiums
- Experienced advisers who understand your industry
- Support with finding suitable levels of cover
Coversure understand that every engineering business is different. Whether you need a straightforward engineering insurance policy or more specialist engineering risk insurance, we can help you explore suitable options.
The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Manufacturing cover for you.
Manufacturing Insurance FAQ
Manufacturing insurance is a complex area of cover, so to help you get the protection you need, here is Coversure’s manufacturing insurance frequently asked questions. We hope they will be useful, but if you’d like personalised independent advice, contact your local Coversure.
What is engineering insurance?
Engineering insurance is designed to protect engineering businesses against risks such as liability claims, machinery breakdowns, property damage, equipment failure, and professional negligence.
Do engineers need professional indemnity insurance?
Many engineering firms and consultants require professional liability insurance for engineers to protect against claims arising from errors, omissions, or professional advice.
What does engineering liability insurance cover?
Engineering liability insurance can include public liability insurance, employers’ liability insurance, and professional indemnity insurance depending on the nature of your business and services.
What types of engineering insurance are available?
Common types of engineering insurance include public liability insurance, professional indemnity insurance, machinery breakdown cover, engineering inspection insurance, cyber insurance, and contractors all risk insurance.
Can manufacturing businesses get tailored insurance cover?
Yes. Coversure can help source tailored engineering and manufacturing insurance solutions based on your business activities, premises, machinery, workforce, and operational risks.
How much does engineering insurance cost?
The cost of engineering insurance coverage depends on several factors, including the size of your business, turnover, number of employees, type of engineering work carried out, and the level of cover required. Contact Coversure for a quotation.
