Manufacturing Insurance

Manufacturing insurance caters to businesses of all sizes, from start-ups to large enterprises, covering liability, property, business interruption, cyber risks, and more. Policies are tailored to each client’s needs, with favourable terms dependent on robust risk management, health and safety practices, and thorough documentation.

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Manufacturing Insurance Tailored to Your Business

We cater to all forms of insurance required by manufacturers in most sectors.

An insurance programme may range from a simple start-up small ‘combined’ package which caters for the minimum key coverage required for a small business to ensure it’s compliant with law and hold the minimum liability cover a customer would expect, to much wider programmes involving perhaps 20 or more different forms of coverage.

Manufacturing insurance can be in-house, at various locations, and/or involve various other parties and suppliers within the UK and abroad.

Coverage starts with your liability exposures, moves on to cover for buildings, contents, stock, we consider business interruption aspects and reliance on other parties with most firms deciding to protect themselves from various other exposures.

Flexible Cover for Every Manufacturer

Your insurance programme can be as simple or as comprehensive as needed:

Start-ups & SMEs – a combined package covering the essential liability and property protections to remain compliant with UK law.
Larger firms & complex operations – extensive programmes with 20+ specialist cover types, protecting every aspect of your operations and supply chain.

Insurance for Multi-Site and Global Operations

Manufacturing insurance can protect businesses operating across:

In-house production facilities
Multiple UK locations
Overseas suppliers and international operations
Cross-border supply chain risks

What’s Included in a Typical Manufacturing Insurance Programme?

A comprehensive programme often combines core and specialist covers such as:

Employers’ and Employers’ Liability
Products Liability
Buildings (or Tenants Improvements where leased occupation)
Contents (Stock, Machinery, Fixtures & Fittings etc)
Computers (static and portable)
Business Interruption – including reliance on customers/suppliers production facilities
Money
Personal Accident
Business Travel
Management Liability (Directors’ & Officers, Corporate Liability)
Employment Practice Liability
Crime Insurance (with or without cyber-crime/social engineering)
Cyber Liability (with or without cyber-crime/social engineering)
Fleet – company vehicles (cars, vans, HGVs) and Directors’ personally owned vehicles
Marine (Goods in Transit, UK/international, including ‘stock throughput’ coverage)
Environmental Impairment Liability
Credit Insurance
Product Recall (defective product or contaminated products)
Legal Expenses
Performance Bonds

Each manufacturing business differs in complexity, no two firms (even in the same sector) are the same and each client is carefully examined in order that our marketing reports to insurers are bespoke to each client.

Key to obtaining favourable terms includes evidence of extensive/ongoing risk management, pro-active health & safety management, information relating to the construction of buildings, training records, good overall management systems and record keeping, and use of specialist external consultants.

Manufacturing Insurance FAQs

What is manufacturing insurance?

Manufacturing insurance is a tailored package of policies that protects manufacturers against risks such as product liability, property damage, machinery breakdown, cyber-attacks, and business interruption.

Why do manufacturers need specialist insurance?

Manufacturers face unique risks — from product defects to supply chain disruption. Specialist insurance ensures your business is covered for these exposures, keeping you compliant and financially protected.

How much does manufacturing insurance cost?

The cost depends on factors such as your turnover, number of employees, sector, machinery, and risk profile. We provide bespoke quotes to suit your business needs.

Does manufacturing insurance cover overseas suppliers?

Yes. Cover can be extended to include reliance on overseas suppliers, international transport, and cross-border supply chain risks.

What is included in a typical manufacturing insurance programme?

Common policies include employers’ liability, product liability, property and machinery cover, stock, cyber liability, fleet and transport insurance, and business interruption.

How can I get the best terms on my insurance?

Insurers often reward strong risk management. Evidence of good health and safety practices, staff training, and robust record-keeping can help reduce premiums. At Rowlands & Hames, we support clients in strengthening these areas to secure more favourable terms.

Contact the Team

Mike Watkinson Dip CII

Insurance Sectors We Cover

We provide tailored insurance solutions across a wide range of sectors. Each policy is designed around your industry’s specific risks, ensuring you’re fully protected, compliant, and supported by our expert team.