Property and plant
Buildings, machinery, tooling and stock at all stages of production.
Business Insurance
Manufacturers insurance for production.
A production line stopping costs more per day than most of the equipment on it. That is where the cover has to be strongest.
Manufacturers carry three linked exposures: the plant and stock, the products once they leave the building, and the income that stops when production does. The third is consistently the most underinsured, because owners size business interruption against the building rather than against the time it takes to replace specialist plant.
Business interruption and machinery lead times
The indemnity period should reflect how long it would actually take to source, install and commission replacement plant — which for specialist machinery can run well beyond a year. A twelve-month period is a default, not an answer.
Equipment breakdown covers the mechanical and electrical failure that property policies exclude, and it can include the resulting business interruption. For a single-line operation that pairing matters more than almost anything else in the programme.
Products liability and recall
Products liability responds to injury or damage your product causes. Recall cover is separate and pays the cost of retrieving product from the market, which is a direct expense rather than a liability claim.
If you supply components into other manufacturers, contracts frequently require specific limits, additional insured status and sometimes a vendors endorsement. Send them to us before signing.
What it covers
The parts of a manufacturers insurance policy
Equipment breakdown
Mechanical and electrical failure, plus the interruption that follows.
Products liability
Injury or damage caused by what you manufacture.
Business interruption
Income lost while production is stopped, sized to real lead times.
Product recall
The cost of retrieving product from the market.
Goods in transit
Raw materials inbound and finished goods outbound.
Working with us
What we do differently
We are an independent agency, so we place your manufacturers insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Set the indemnity period against machinery lead times, not a default twelve months
- Pair equipment breakdown with business interruption on a single-line operation
- Send us supply contracts — they often require specific endorsements
Common questions
Manufacturers Insurance, answered
How long should business interruption cover run?
Long enough to source, install and commission replacement plant and rebuild output. For specialist machinery that can exceed a year, so the standard twelve-month period is often too short.
Is machinery breakdown covered by property insurance?
No. Property covers damage from external perils; mechanical and electrical failure is equipment breakdown, and it can include the resulting loss of production.
What is the difference between products liability and recall?
Products liability pays for injury or damage your product causes. Recall pays your cost of retrieving it from the market before harm occurs. They are separate covers.
Related cover
Often arranged alongside this
Product Liability Insurance
Everyone in the chain can be named — maker, importer, distributor and the shop that sold it. Being the last link is not a defence.
Read moreMachine Shop Insurance
CNC equipment is expensive, customer material sits on your floor, and a part machined out of tolerance can fail somewhere else entirely.
Read moreCommercial Property Insurance
Property cover repairs the building and replaces the contents. Business interruption replaces what you could not earn while that happened — and it is usually the larger number.
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