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A COMBINED INSURANCE PACKAGE BUILT FOR ALUMINIUM MANUFACTURERS
Why a Combined Package Is Often the Best Fit
Aluminium manufacturing businesses rarely have one single risk. You have property exposure, business interruption, employee injury risk, public/products liability, stock and transit issues, machinery breakdown exposures, and in some cases environmental, cyber and contractual risk. When these are placed across multiple disconnected policies, it’s easier to miss critical links — such as how business interruption is triggered, how contractors are treated, or where liability overlaps occur.
A combined aluminium manufacturing insurance package pulls core covers together under one programme, with consistent terms, coordinated endorsements and a single renewal. Insure24 helps you structure the right combination so your cover is practical, insurer-ready and aligned with how your business actually operates.
What’s Included in a Combined Aluminium Manufacturing Insurance Policy?
A combined policy is a packaged solution that can include multiple sections under one contract, typically placed with a single insurer (or as a coordinated programme). Your final structure depends on your operations, turnover, claims history, and risk controls.
Core Covers Commonly Included
- Property Damage – buildings, tenants’ improvements, contents, plant, tools, stock and materials.
- Business Interruption (BI) – loss of gross profit and increased costs of working following insured damage.
- Employers’ Liability (EL) – legal liability for employee injury or occupational illness claims.
- Public Liability – third-party injury/property damage arising from your premises/operations.
- Products Liability – liability arising from manufactured or supplied products (including aluminium components).
- Legal & Defence Costs – defence and associated costs included within relevant sections (subject to wording).
Many aluminium manufacturers place these covers together to reduce gaps, simplify renewals and improve claims coordination.
Optional Extensions (Depending on Appetite)
- Engineering / Machinery Breakdown – sudden and accidental breakdown of insured plant and equipment.
- Goods in Transit – movement of stock, profiles, billets and finished goods (limits/terms vary).
- Money & Theft – theft cover subject to security standards and policy conditions.
- Cyber – business interruption, data and extortion exposures (where selected).
- Environmental / Pollution Liability – for relevant processes and site exposures.
- Directors & Officers (D&O) – management liability, often arranged as a companion policy.
We’ll recommend extensions based on your specific risk profile, contracts, and what underwriters typically expect to see.
Where Gaps Commonly Appear (And How a Combined Package Helps)
Aluminium manufacturers often discover coverage gaps only when a loss happens. A combined programme helps align definitions, triggers and conditions across sections — reducing the chance that one insurer points to another at claim time.
Business Interruption Trigger & Indemnity Period
BI is usually triggered by insured property damage. When property and BI are split across different placements, differences in policy definitions and conditions can complicate claims.
- Indemnity period too short for rebuilds and specialist lead times
- Gross profit calculations not aligned with current financials
- Missing dependencies: utilities, key suppliers or key customers
- Understated increased cost of working limits
We help you choose realistic BI structure and ensure it matches your property damage section.
Contractor & Labour Models
Aluminium sites often use contractors for maintenance, hot works, electrical tasks and shutdowns. The way contractors and labour-only staff are treated can impact both EL and PL exposures.
- Labour-only contractors treated as employees for liability
- Hot works permit-to-work and supervision expectations
- Principal contractor exposures on site
- Risk transfer wording in contracts not aligned with insurance
We’ll help align your insurance, contracts and real-world control environment to reduce disputes.
Products Liability, Spec Risk & Contractual Penalties
If you manufacture aluminium components, profiles, cast parts or fabricated assemblies, your products risk can include fit-for-purpose issues, tolerances, and downstream damage allegations.
- Limits and exclusions that don’t match customer contracts
- Territory and jurisdiction (UK/EU/Worldwide exports)
- Products worked upon / efficacy exclusions where relevant
- Recall and rectification needs (often separate cover)
We’ll help you position your quality controls, traceability and contract terms for the best insurer response.
Underinsurance on Stock, Plant & Declared Values
Underinsurance is common where stock fluctuates, plant values aren’t reviewed, or rebuild costs have increased. Combined policies often allow more coherent value setting and indexation.
- Peak stock levels not reflected in sums insured
- Plant and equipment schedules out of date
- Reinstatement values based on market value instead of rebuild cost
- Inadequate allowances for debris removal and professional fees
We can help you sense-check declared values and structure a more insurer-friendly submission.
What Insurers Typically Ask For (So Quotes Are Faster)
Combined manufacturing submissions are strongest when the insurer can quickly understand your process, values, workforce and controls. Gathering the right information upfront often reduces referrals and improves terms.
Operational & Site Information
- Site addresses, construction, occupancy and protections (alarms/sprinklers)
- Process overview: extrusion, fabrication, recycling, casting, finishing, warehousing
- Housekeeping standards, fire separation and hot works controls
- Security arrangements for non-ferrous stock
- Maintenance approach and critical plant dependencies
We can provide an insurer-ready summary so the key points aren’t lost in long attachments.
Financial, Workforce & Claims Data
- Turnover split (UK/EU/Worldwide), products and major customer types
- Payroll split by activity and headcount (including agency labour)
- Five-year claims history and corrective actions
- Declared values: buildings, contents, plant, stock and materials
- BI sums insured and indemnity period rationale
Strong, consistent data helps secure better options and reduces the risk of post-bind queries.
Who This Combined Package Is For
Combined cover is suitable for a wide range of aluminium manufacturing and processing businesses, from single-site operators to multi-site groups, including those exporting products or operating high-value plant and stock.
Typical Aluminium Businesses
- Aluminium extruders and profile manufacturers
- Fabrication, machining and finishing operations
- Recycling and secondary processing businesses
- Casthouse and component manufacturers
- Manufacturers with warehousing and distribution attached
Risk Profiles That Benefit from a Combined Programme
- High-value plant, machinery and specialist electrical infrastructure
- Variable stock levels and non-ferrous theft exposure
- Multiple production processes on one site
- Customer contracts requiring specific liability limits
- Long lead times for replacement equipment and recovery
How to Arrange a Combined Aluminium Manufacturing Insurance Package
The best outcomes come from a clear submission that explains your process, values and controls. We’ll guide you through the essentials, package the information for underwriters, and compare the market options that fit your risk profile.
- 1. Confirm your sites and activities – processes, hazards, protections and security.
- 2. Set declared values – buildings, plant, contents and peak stock levels.
- 3. Structure BI correctly – sums insured, indemnity period and dependencies.
- 4. Review liability limits – EL/PL/products and contract-driven requirements.
- 5. Place and maintain – bind cover, document warranties and keep values updated at renewal.
If you want, we can also provide a renewal checklist so your programme stays consistent year-on-year.
FREQUENTLY ASKED QUESTIONS
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What is a combined aluminium manufacturing insurance policy?
It’s a policy package that brings core covers together, typically including property damage, business interruption,
employers’ liability and public/products liability. It can also include optional extensions such as engineering breakdown,
transit and cyber, depending on the insurer and your risk profile.
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Is a combined policy cheaper than separate policies?
Often it can be more cost-effective, but the main benefit is consistency and fewer gaps. A combined insurer can apply
coherent terms across sections and handle claims more smoothly. The final premium depends on values, claims history,
protections and the insurer’s appetite.
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What limits do aluminium manufacturers typically choose for liability?
Limits vary based on contracts, customers and exposures. Employers’ liability is commonly arranged at the UK standard market level,
while public/products liability limits are often driven by customer requirements, export territories and the potential severity of downstream loss.
Insure24 will help you match limits to your contract needs and risk profile.
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Does a combined policy include machinery breakdown?
Not always automatically. Engineering/machinery breakdown is often added as a section or companion policy depending on the insurer,
the values of the equipment and the nature of the plant. We’ll advise whether it should be included based on your critical machinery dependencies.
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What information is needed to quote a combined aluminium manufacturing policy?
Insurers typically need site details and protections, process description, declared values (buildings/plant/stock),
turnover and payroll splits, claims history, and your BI sums/indemnity period. Evidence of controls (training, guarding,
traffic management, hot works, housekeeping, LEV testing) usually improves the quality of terms.