Manufacturers Liability Insurance
Let us help you protect your manufacturing operation.
Why choose Howden for Manufacturers Insurance?
Howden is the new name for Primo.
When safeguarding your manufacturing business, Howden simplifies the process, ensuring you get the right cover to protect every aspect of your operations. As an experienced insurance broker, we leverage our strong relationships with top-rated insurers to find the best policies, providing a quick and seamless experience. Our goal is to handle the complexities of insurance so you can focus on what matters most—running your business and delivering top-quality products.
We understand that no two manufacturing businesses are alike. That’s why we offer a personalised approach, taking the time to learn about your needs. Whether you require broad coverage or a more specialised policy, we ensure your insurance package is crafted to meet your business's unique challenges.
At Howden, we’re with you every step of the way—whether securing a new policy, renewing existing coverage, or guiding you through the claims process. We’re committed to providing the support and peace of mind you need so you can concentrate on driving your business forward.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- Our brokers are well-versed in the nuances of the trade industry.
- We'll work with you to create a bespoke insurance package that meets your unique needs and budget.
- We leverage our relationships with top UK insurers to secure the best rates for our clients.
- Our dedicated team is committed to providing exceptional service.
Manufacturers' Insurance with Howden
Are you a manufacturer dedicated to crafting quality products? At Howden, we understand the intricacies of your industry, from the raw materials you source to the finished goods you deliver. Our tailored insurance solutions protect your business at every production stage, safeguarding your operations, assets, and success.
Your manufacturing insurance needs
As experienced insurance brokers, we've seen first-hand the challenges and triumphs of UK manufacturers. From innovative start-ups to established industry leaders, one thing is clear: a robust insurance strategy is essential for protecting your hard-earned success.
With a range of A-rated insurers, we'll craft a bespoke policy that fits your unique manufacturing business, no matter your size or specialisation. We start by understanding your operations, identifying potential risks, and recommending suitable covers to mitigate those risks and protect you from financial loss.
What does Manufacturers Insurance cover?
Every insurer is different, be we as a broker can say that you can expect to have the following insurance products included in your manufacturers' policy.
- Public & Product Liability: Essential for manufacturers, this insurance cover protects you against claims for bodily injury or property damage caused by your products or operations.
- Employers' Liability: This insurance is a legal requirement for UK businesses with employees and covers compensation claims for work-related injuries or illnesses.
- Goods in Transit: This insurance covers your products while they're being transported, whether by road, sea, or air. This coverage can be crucial for businesses that rely on timely deliveries.
- Commercial Combined Business Insurance: A comprehensive package that can include property damage, business interruption, and other essential covers. This is designed to streamline your insurance needs.
- Marine Cargo Insurance: Specialised cover for goods transported by sea, protecting against loss or damage during shipping.
- Motor Fleet: If your business operates a fleet of vehicles, we can arrange comprehensive insurance to protect your assets on the road.
Ready to secure your manufacturing future?
Don't leave your business's protection to chance. Contact our team of insurance experts today for a no-obligation consultation, and let us help you build a robust insurance strategy for your manufacturing business.
You can speak to us by either giving us a call at the top of this page, clicking Get a Quote, or by visiting us in your local Howden branch!
Manufacturers Insurance FAQs
What is manufacturers insurance, and why do UK manufacturing businesses need it?
Manufacturer insurance is a specialised type of commercial insurance package tailored for businesses involved in producing and distributing goods in the UK. It's essential because it safeguards your manufacturing business from risks, including property damage, equipment breakdowns, product liability claims, business interruption, and employers' liability.
What types of manufacturing businesses does this insurance cover?
Manufacturers insurance suits a wide range of industries within the UK manufacturing sector.
What are the core components of a typical manufacturers insurance policy in the UK?
A comprehensive manufacturers insurance policy typically includes:
- Public and Product Liability Insurance: Covers claims for injury or property damage caused by your products or business operations.
- Employers' Liability Insurance: A legal requirement in the UK if you have employees, this covers compensation claims for work-related injuries or illnesses.
- Material Damage Insurance: Covers damage to your buildings, machinery, equipment, and stock due to fire, theft, flood, or other perils.
- Business Interruption Insurance: Provides financial support to cover lost income and ongoing expenses if your business is temporarily unable to operate due to a covered event.
Can I get product liability insurance for my manufacturing business in the UK?
Yes, product liability insurance is a crucial component of manufacturers' insurance in the UK. It covers your legal liability if a product you manufacture or supply causes harm or injury to a consumer.
What are the legal requirements for manufacturers insurance in the UK?
In the UK, the only mandatory insurance for manufacturers is Employers' Liability Insurance (also vehicle insurance if used) if you have employees. However, other types of cover, like Public Liability Insurance and product liability, are highly recommended to protect your business from potentially devastating financial losses due to claims.
How much does manufacturers insurance typically cost in the UK?
The cost of manufacturers insurance varies depending on various factors, including:
- The size and nature of your manufacturing business.
- Your annual turnover and the value of your assets.
- The types of cover you choose and their limits.
- Your claims history.
It's advisable to get quotes from multiple insurers to compare prices and find the best cover options tailored to your specific needs.
Can manufacturers insurance cover my goods while in transit?
Yes, manufacturer's insurance can include goods in transit coverage, which protects your products against loss or damage while they are transported by road, sea, or air.
Does manufacturers insurance cover damage to my machinery and equipment?
Yes, material damage insurance, typically included in a comprehensive manufacturer's policy, covers damage to machinery, equipment, and tools caused by fire, theft, or accidental damage.
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