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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.
Business Insurance | Manufacturing Insurance | Manufacturers Insurance
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.
Need Manufacturers Insurance?
Let us arrange tailored cover for your needs.
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 advisers 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 can help protect 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 can help cover any pay-outs should a claim prove successful.
Public Liability Insurance
Public liability insurance can help cover legal costs and compensation claims if a member of the public is injured, or their property is damaged, as a result of your business.
Why use Jensten
Dedicated
A team who understands manufacturing businesses
Trusted
We are trusted by manufacturing businesses big and small
Flexibility
Tailored insurance to the needs of your business
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Our team of UK-based insurance advisers are here to help, 9am – 5pm, Monday – Friday.

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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:
Food
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.
Machinery
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?
Let us arrange tailored cover for your needs.
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.
What insurance should manufacturing companies have?
Manufacturing companies need to have a comprehensive insurance policy that covers the broad range of common risks that the manufacturing business will encounter during daily activities. While Employers’ Liability Insurance is the only insurance product required by law, other insurance solutions such as commercial general liability insurance, product liability insurance, business interruption insurance, and plant and machinery insurance are also recommended to provide comprehensive coverage tailored to the manufacturing sector.
Manufacturing businesses depend on the production of finished products and a smooth manufacturing process to generate revenue; if there were to be any interruption to this production and supply chain by an insured peril, such as equipment breakdown or a natural disaster, the business could be left with financial losses and no support. An insurance policy can offer financial protection in these events helping to ensure your manufacturing operation is not left to bear the costs alone.
Why is Employers' Liability Insurance important for manufacturing firms?
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. It would cover compensation and legal expenses 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, including bodily injury claims.
Why should manufacturing firms invest in their insurance?
Manufacturers insurance offers businesses financial protection from a wide range of potential losses and 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 business insurance, you gain tailored solutions and risk management expertise to protect manufacturers from these adverse events. In addition to this, your policy can include products such as business interruption insurance and product recall 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, flood, or other natural disaster at your property.
How can I get a Manufacturing Insurance quote?
Getting a quote is easy. You can call us on 0800 368 9018, and the team will be happy to help you find the right insurance coverage you need. We work with a global network of insurance providers and can help find the appropriate cover to suit your unique needs and potential exposures, including coverage for intellectual property and errors and omissions.
How much does Manufacturer's Insurance cost?
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.