Manufacturing Insurance | Insurance for Manufacturing Companies

We're here to help


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.


Service comes first at Coversure, and as the following feefo testimonials show, we’re the team you can trust with your business

Average Customer Rating:

Independent service rating based on 1156 reviews

What Is Manufacturing Insurance?

Manufacturing insurance, or manufacturers’ insurance as it’s also known, is a flexible policy that covers the multiple risks that manufacturers face on a single policy. It protects everything from factories and processing plants to people and vehicles. While a policy can be designed to suit your needs, cover typically includes:
  • Public liability insurance
  • Employers’ liability of up to £10m
  • Goods in transit insurance
  • Stock – including materials and finished goods
  • Buildings insurance

Who Needs Manufacturing Insurance?

If you own a business involved in manufacturing or processing goods, then manufacturing insurance could be for you.  The sorts of enterprises that often ask for a manufacturing insurance quote include the following:

  • Manufacturers
  • Factory owners
  • Food processing plants
  • Assembly businesses
  • Engineering firms

What can Manufacturing Insurance cover?

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

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.

How Much Does Manufacturing Insurance Cost?

There’s no one-size-fits-all answer to this question, and your local Coversure office will create a package of protection designed around your business.   Your premium will depend on factors, including:

  • The size of your business
  • The type of work it does
  • If you work in potentially dangerous conditions or with hazardous materials, e.g., heat or chemicals
  • If you have any employees
  • The value of your stock
  • Where your business is located
  • Whether you need cover for vehicles
  • The level of security
  • Your claims history

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.

Manufacturers, processors, and engineering firms can all benefit from this type of insurance

No, but if you have employees, you will need employers’ liability insurance

That will depend on several factors.  These include where your business is and its size, your services, if you have employees, and your claims history.

Getting a quote is easy; speak to your local Coversure office or start your manufacturers’ insurance quote here

Yes., it can cover these items against loss or theft.

Need a Manufacturing Insurance quote?

If you’d like a Manufacturing Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.

Commercial Combined

* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.

We're here to help