Manufacturers Insurance | Manufacturing Business Insurance
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Manufacturers Insurance

Manufacturers Insurance can cover many risks that businesses may face. Jensten Insurance Brokers can advise on and arrange cover to help mitigate those risks.

What is Manufacturers Insurance?

Regardless of the scale of your current manufacturing business, the correct level of Manufacturers Business Insurance is essential.

Across the manufacturing and engineering industry, the diverse range of processes and products provides a varying array of exposures. Whether it’s the high-risk nature of the process itself, providing the threat of injury or industrial disease to the employees, or the precision-machined component part that may be incorporated into a safety-critical mechanism.

Understanding Business Insurance is crucial to providing the correct level of protection from the most common risks while in production. With the advent of Industry 4.0, and the use of smart technology such as robotics and drones, we will see the need for manufacturing insurance cover change as well. We can help your operation adapt your Business Insurance policy as it evolves with modern processes.

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What does Manufacturers Insurance cover?

Each manufacturing business is completely unique. Your output, scale and production methods are just a few factors we consider in your Business Insurance policy. There are some key areas for protection that will likely be essential regardless of your operation. These include:

Business Interruption Insurance

When damage or unforeseen events do occur the financial strain on your business can be significant. Damages caused by fire, flood and even accidental incidents can prove a basis for cover under business interruption insurance, our experts will work with you to understand the most likely risks and provide adequate coverage.

Business premises cover

If you’re trading from premises – be it a forecourt, yard or compound – you’ll want to have them protected. If your premises were damaged or destroyed, business premises insurance would cover the cost of repairs or a rebuild.

Employers’ Liability Insurance (EL insurance)

EL – is a legal requirement if you have any staff, full-time, part-time or contracted. EL insurance protects employers’ from compensation claims from their employees should a claim be made against them for loss or injury at work. Your policy must have a minimum of £5m cover, with £10m being the industry standard.

Fleet Insurance

if your business has two or more vehicles – be they vans, trucks, or pieces of plant equipment – you can cover them all on a fleet insurance policy.

Machinery & Plant Machinery

Integral to any operation within this sector, your machinery is essential and as such must be considered when creating a policy. Common risk factors involved include accidents, theft and fire-related damage. The cover itself will need to fit your business’s operation, with contingencies available for machinery in transit, off-site storage, hired machinery as well as that which is permanently used on-site.

Product Liability Insurance

If products you use or recommend cause damage or harm, you can face claims for compensation. Product liability insurance will cover any pay-outs should a claim prove successful.

Public Liability Insurance

Public liability insurance protects you if a member of the public suffers an injury or if any of their property is damaged because of your business. It can cover legal costs and any compensation claims, if your business is found to be at fault.

Why use Jensten


A team who understands manufacturing businesses


We are trusted by manufacturing businesses big and small


Tailored insurance to the needs of your business

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Our team of UK-based insurance experts are here to help, Monday – Friday, 9am – 5pm.


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Find answers to common insurance questions

What sectors can be covered?

Our Manufacturers Insurance brokers have worked in a variety of manufacturing businesses, offering advice across the entire sector. Typical clients include:


Processing food can pose unique sets of risks to employees in particular. Encompassing everything from baking to meat processing, the equipment used and the work required can vary. Red meat production tends to be the most labour-intensive, with breaking down the product and preparing it by hand still commonplace. Increasingly there is a greater degree of machinery operation required, with more complex systems leading to increased efficiency but an increase in risks related to equipment breakdown.

Computers and electronics

While there is usually less large machinery involved in computers and electronics, there are still risks present to your workforce. For example, some workers who fabricate integrated circuits and other components may be exposed to hazardous chemicals and working with small parts may cause eyestrain.

The creation of specialist machinery for industrial purposes can involve a variety of operation sizes. Depending on the equipment and size of the product produced, facilities will also vary greatly.

In the future, using high-technology production techniques, including robotics, computers, precision engineers, plastics, components, and programmable equipment, will give productivity gains. Increasing technology and automation will also reduce the number of unskilled workers needed in the production process, decreasing the chances of injury.

Other sectors include

  • Precision Engineers
  • Plastics
  • Components
  • Automotive Parts


Areas of risk to manage

As busy workplaces that are often full of complex machinery, there are a variety of risks that you will need to mitigate with your Manufacturing Insurance policy. These can include:

  • Contact with moving machinery.
  • Struck by moving or falling objects.
  • Slips, trips and falls.
  • Illness as a result of poor indoor air quality.
  • Temporary or permanent damage to hearing a result of excessive noise.

For some tailored insurance help, please contact the Jensten Motor Trade team today or call them on 0208 298 2100.

Need Manufacturers Insurance?

For comprehensive Manufacturers Insurance

Manufacturers Insurance

This is one of the more complex insurance areas, so to help you get the protection you need, here are our Manufacturers Insurance frequently asked questions. We hope they will help, but if you’d like some independent advice, please call us on 0800 368 9018, and the team will be happy to help.

Manufacturing companies need to have a comprehensive insurance policy that covers common risks that the business will encounter during daily activities. While Employers’ Liability Insurance is the only insurance product required by law, other insurance products such as Public and Product Liability, Business Interruption, and Plant and Machinery Insurance are also recommended.

Manufacturing businesses depend on the production of finished products to generate revenue; if there were to be any interruption to this production process by an insured peril, the business could be left with a loss of income and no financial support. An insurance policy can offer financial protection in these events helping to ensure your business is not left to fork out in these events.

Even the most complex and technologically advanced production lines in the United Kingdom have human interaction; in most cases, this can be during quality control. If your manufacturing business has employees, regardless of how many, it’s a legal requirement to have Employers’ Liability Insurance in place.

Employers’ Liability Insurance offers financial protection against work-related illness or injury. Employers’ Liability Insurance would cover compensation and legal costs you are legally liable to pay if an employee was to claim against the business. In simple terms, if a staff member were to slip on a wet floor whilst at work and break their leg, Employers’ Liability Insurance will help to protect your business from the costs involved with the claim.

Manufacturers Insurance offers businesses financial protection from a wide range of claims that the business may be vulnerable to. These claims can often be made by a third party but can also be made by a company employee. By investing in Manufacturing Insurance, you gain financial protection from these adverse events. In addition to this, your policy can include products such as Business Interruption Insurance, meaning your loss of income can be covered during periods when you cannot carry out business as usual due to an unexpected event such as a fire or flood at your premises.

Getting a quote is easy.  You can call us on 0800 368 9018and the team will be happy to help you find the protection you need.  We work with a panel of different insurance companies and can help find the appropriate cover to suit your individual requirements.

That will depend on things like the type of work you’re doing, your business’s postcode, the turnover of your business, if you have any employees, if you own your premises and your claims history. For a personalised quote, please call us on 0800 368 9018, and the team will be happy to help.