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PROPERTY INSURANCE THAT PROTECTS YOUR PRODUCTION SITE
Why Factory, Buildings & Property Insurance Matters
Aluminium manufacturing sites typically contain high-value machinery, electrical infrastructure, specialist racking and storage, and significant stock levels. A single fire, flood, escape of water, theft event or major equipment loss can stop production and trigger severe financial pressure.
Insure24 arranges factory, buildings and property insurance for aluminium manufacturers across the UK — including extruders, recyclers, fabricators, casthouses and component producers. We help you present the risk properly to insurers so your cover is accurate, compliant and fit for purpose.
What Does Factory, Buildings & Property Insurance Cover?
Property insurance is the foundation of most manufacturing programmes. It protects the physical assets that allow your business to trade — and provides the trigger for business interruption cover.
- Buildings – factory buildings, offices, storage areas, and attached structures.
- Tenant’s Improvements – fixtures, partitions, services and improvements (where you don’t own the freehold).
- Contents & Equipment – office contents, tools, maintenance equipment, and general business contents.
- Stock & Materials – raw materials, billets/ingots, scrap, finished goods, packaging and consumables.
- Specified Items – higher value items such as cranes, compressors, extraction, power supplies (subject to schedule).
- Theft & Security – theft following forcible and violent entry (subject to protections and warranties).
- Subsidence / Flood / Storm – where available and subject to location and underwriting.
- Business Interruption Trigger – insured damage that causes loss of gross profit / revenue.
Key Property Risks for Aluminium Manufacturing Facilities
Underwriters assess factories differently to offices and retail premises. Your risks are driven by processes, site layout, utilities, housekeeping, maintenance, and what happens if a critical area is damaged.
Fire Risk & Fire Spread
Fire remains the largest severity exposure for most industrial premises. Insurers will examine ignition sources, combustible load, fire separation and response capability.
- Hot works, welding and maintenance activities
- Electrical distribution, control panels and motor rooms
- Storage of packaging, oils, solvents and combustible materials
- Extraction systems, ducting and dust/fume hazards (where relevant)
- Fire doors, compartmentation and separation of high-risk areas
The quality of your fire risk management can materially affect premiums, deductibles and insurer appetite.
Flood, Storm & Escape of Water
Flood and water damage can destroy electrics, control systems and stock quickly. Even minor leaks can cause significant downtime when production relies on electrical integrity and clean environments.
- Surface water and river flood exposure (site-specific)
- Roof failure, storm damage and water ingress
- Burst pipes, sprinkler leaks and escape of water
- Damage to switchgear, compressors and critical plant
We help you present flood defences, drainage, maintenance records and resilience planning to underwriters.
Theft & Non-Ferrous Metal Crime
Aluminium, copper and other non-ferrous metals are a known theft target. Insurers will look at site security, out-of-hours controls, and how stock is stored and monitored.
- Perimeter fencing, gates and barriers
- CCTV, monitoring and lighting
- Alarm systems and police response levels
- Secure storage for higher value stock
Theft cover and terms can vary widely depending on the insurer and the security standards in place.
Rebuild Costs, Inflation & Underinsurance
Underinsurance is one of the most common issues we see. Rebuild costs for industrial buildings can rise quickly, and specialist services (electrics, gas, cranes, extraction) can be expensive to replace.
- Declared value vs true reinstatement cost
- Professional fees, debris removal and compliance upgrades
- Long lead times for specialist plant and electrical infrastructure
- Index linking and inflation protection
We can help you structure values and indemnity periods to reflect realistic recovery times.
Business Interruption Cover for Factory Premises
Property insurance protects the physical site. Business interruption (BI) protects the trading impact when that site is damaged. For aluminium manufacturers, BI can be the difference between a recoverable incident and a business-ending loss.
BI cover can include loss of gross profit, ongoing fixed costs, and increased cost of working to keep output moving. Choosing the correct indemnity period is critical — rebuilds and specialist replacement can take months.
What BI Can Pay For
- Loss of gross profit / revenue following insured damage
- Standing charges and unavoidable overheads
- Increased cost of working (overtime, outsourcing, temporary sites)
- Expediting expenses and temporary hire (subject to wording)
- Additional storage and logistics costs
We help match sums insured and indemnity periods to your true exposure and supply chain dependencies.
Typical BI Pitfalls We Help You Avoid
- Indemnity periods that are too short for a full recovery
- Understated gross profit and incorrect basis of calculation
- Missing dependencies (utilities, key suppliers or key customers)
- No allowance for lead times on specialist equipment
- Insufficient increased cost of working limits
A well-structured BI section is one of the strongest ways to reduce long-term claim disruption.
Who This Factory Property Insurance Is For
This cover is suitable for most aluminium manufacturing and processing businesses, including multi-site groups and contract manufacturing operations.
Aluminium Manufacturing & Processing
- Aluminium extrusion manufacturers
- Secondary aluminium smelters and casthouse operations
- Aluminium recyclers with processing lines
- Fabrication, machining and finishing facilities
- Architectural and industrial profile manufacturers
Site Types
- Single factory sites
- Factories with separate warehouses or yards
- Leasehold premises with tenant’s improvements
- Multi-site manufacturing groups
- Sites with third-party storage or distribution
How to Arrange Factory, Buildings & Property Insurance
To obtain accurate terms, insurers need the right information. We help you present your operation in a clear format that aligns with what underwriters expect for industrial property risks.
- 1. Confirm property details – construction, occupancy, protection and security.
- 2. Declare values – buildings reinstatement, contents, plant, and stock.
- 3. Explain your process – where the fire and loss drivers are on site.
- 4. Choose BI structure – sums insured, indemnity period and dependencies.
- 5. Place cover – bind terms and document warranties/conditions clearly.
If you’re unsure about declared values or BI sums, we can help you sense-check the numbers before you go to market.
FREQUENTLY ASKED QUESTIONS
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What does factory buildings insurance cover for aluminium manufacturers?
It typically covers insured damage to the factory buildings, plus (where selected) contents, plant and stock.
Common insured events can include fire, flood/storm (where available), escape of water, theft (subject to security),
and accidental damage, depending on the policy wording.
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How do I calculate the reinstatement value of my factory?
Reinstatement value is the estimated cost to rebuild the property like-for-like (including professional fees and debris removal).
For industrial buildings, it can differ significantly from market value. If you’re unsure, consider a reinstatement cost assessment
or discuss the approach with Insure24.
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Is stock and raw material covered under property insurance?
Yes, stock and materials can be included, such as billets, ingots, scrap, finished product and packaging, subject to declared values.
Make sure the policy reflects your peak stock levels to reduce the risk of underinsurance.
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Does property insurance include business interruption?
Business interruption is normally a separate section of the policy, triggered by insured property damage.
It can cover lost gross profit and increased costs of working, and should be structured around realistic recovery times for your site.
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What affects the price of factory property insurance?
Pricing is influenced by construction type, protections (alarms/sprinklers), housekeeping, process hazards, claims history, location risk
(including flood), security, declared values, and business interruption exposure. Improving risk controls often improves insurer appetite.