We provide insurance for all types of manufacturers including clay brick producers, concrete block manufacturers, lightweight block makers, facing brick specialists, engineering brick producers, and decorative block manufacturers.

Yes, our manufacturing equipment coverage includes kiln breakdown, with options for business interruption coverage to protect against lost production and additional working expenses during repairs.

Our products liability coverage includes recall costs, covering the expenses of withdrawing defective products from the market, including notification costs, transportation, and disposal expenses.

Yes, our environmental liability coverage includes cleanup costs for pollution incidents, contaminated land remediation, and regulatory compliance expenses.

Our stock coverage includes contamination protection for raw materials like clay, sand, and cement, covering both gradual deterioration and sudden contamination events.

Business interruption coverage protects your gross profit and additional working expenses when production is halted due to covered events like equipment breakdown, fire, or supply chain disruption.

Yes, our policies can be structured to account for seasonal demand patterns in the construction industry and adjust coverage limits accordingly.

Our business interruption coverage can include protection against contract penalties when you're unable to meet delivery commitments due to covered losses.

Yes, dust explosions are typically covered under our property damage section, along with the resulting business interruption and cleanup costs.

Transit coverage protects your finished bricks and blocks during transportation to customers, including loading, unloading, and temporary storage risks.

If your business includes clay extraction or quarrying, we can extend coverage to include these operations with appropriate environmental and operational protections.

Our cyber insurance covers data breaches, system failures, and cyber attacks that could disrupt your manufacturing operations or compromise customer data.

We provide dedicated claims support with industry expertise, ensuring quick assessment and fair settlement of manufacturing-related claims.

Yes, we can arrange worldwide coverage for businesses with international manufacturing operations, exports, or overseas subsidiaries.

R&D activities including new product development, testing facilities, and prototype manufacturing can be covered under our specialist policies.

Yes, all employees including apprentices, trainees, and temporary workers are covered under our employers liability protection.

Our business interruption coverage can include additional costs such as increased energy expenses when using alternative production methods.

Quality control failures that result in defective products are covered under our products liability section, including recall and replacement costs.

Yes, manufacturers with strong health and safety records and risk management practices may qualify for premium discounts.

If your premises become uninhabitable due to a covered loss, we can cover the costs of alternative manufacturing facilities or temporary relocation.

We recommend annual reviews to ensure coverage limits reflect current production capacity, equipment values, and business growth.

We'll need details of your manufacturing processes, equipment schedules, annual turnover, employee numbers, and any previous claims history.

Yes, we offer flexible payment options including monthly, quarterly, or annual premium payment arrangements.

Energy recovery systems and environmental equipment can be covered under our manufacturing equipment protection with appropriate valuations.

Standard policies cover most common manufacturing materials, though exotic or hazardous materials may require specialist coverage extensions.

Materials owned by customers but in your custody for processing can be covered under our goods in trust or customer goods extensions.

While sudden and accidental damage is covered, gradual deterioration is typically excluded unless it results from a covered peril.

Key person coverage can protect against the financial impact of losing critical employees such as production managers or technical specialists.

Insurers may require regular kiln inspections and maintenance schedules to maintain coverage, which we'll discuss during your risk assessment.

Small-scale prototype and sample production is typically covered, though large-scale trial runs may require notification to insurers.

Work in progress is typically valued at cost of materials plus a proportion of labor and overheads to the stage of completion.

Insurance costs vary based on production capacity, equipment value, and risk factors. Small manufacturers typically pay £2,000-£5,000 annually, while larger operations may pay £10,000-£50,000+ depending on coverage limits and business complexity.

Concrete block manufacturers have specific risks including cement dust exposure and heavy machinery. While similar to brick manufacturing, concrete operations may require enhanced environmental liability and specialized equipment coverage.

Yes, clay brick manufacturing involves kiln firing, clay preparation, and different environmental risks compared to concrete block production. Each requires tailored coverage for their specific processes and materials.

Lightweight block manufacturers need specialized coverage for aerated concrete processes, steam curing equipment, and unique material handling systems. Environmental liability is crucial due to chemical additives used in production.

Facing brick manufacturers require enhanced products liability coverage due to aesthetic requirements and higher value products. Coverage includes color matching issues, surface defects, and architectural specification failures.

Engineering brick manufacturers need coverage for precise specification requirements, compressive strength testing, and potential construction project delays if products fail to meet engineering standards.

Small manufacturers need proportional coverage but similar protection types. Key differences include lower coverage limits, simplified policy structures, and potentially different risk management requirements.

Kiln explosions are covered under property damage and business interruption sections. Coverage includes explosion damage, fire spread, debris removal, and lost production during kiln reconstruction.

Leased equipment typically requires comprehensive coverage including accidental damage, theft, and breakdown protection. Lessors often mandate specific coverage levels and may require additional insured status.

Clay quarry operations require specialized coverage including environmental liability, restoration bonds, groundwater protection, and equipment coverage for extraction machinery and conveyor systems.

Yes, pollution liability is essential for brick manufacturers due to kiln emissions, dust generation, and potential groundwater contamination from clay processing and waste materials.

Products liability insurance covers quality defects including dimensional inaccuracies, strength failures, and durability issues. Coverage includes recall costs, replacement expenses, and third-party damage claims.

Modern brick manufacturers using automated systems, inventory management, and customer databases need cyber insurance to protect against data breaches, system failures, and production disruption from cyber attacks.

Supply chain coverage protects against clay supply interruptions, fuel shortages for kilns, and transportation disruptions. Business interruption extensions cover lost profits during supply chain failures.

D&O insurance protects company directors and officers from personal liability claims related to business decisions, regulatory violations, and shareholder disputes in brick manufacturing operations.

Export operations require international coverage including marine cargo insurance, political risk protection, and worldwide products liability coverage for bricks sold in overseas markets.

Sustainable manufacturers using renewable energy, recycled materials, or innovative processes can access specialized coverage with potential premium discounts for environmentally friendly operations.

Apprenticeship programs require enhanced employers liability coverage, training accident protection, and coverage for inexperienced workers operating dangerous machinery or working near kilns.

Product recall insurance covers costs of withdrawing defective bricks from construction sites, notification expenses, replacement costs, and potential construction project delays.

Joint ventures require specialized coverage addressing shared liabilities, cross-indemnification agreements, and protection for both parties' interests in collaborative manufacturing projects.

Automated operations require enhanced machinery breakdown coverage, cyber protection for control systems, and specialized coverage for robotic equipment and computerized production lines.

R&D coverage protects experimental processes, prototype development, testing equipment, and intellectual property. Professional indemnity covers design and specification development work.

EPL insurance protects against discrimination, harassment, and wrongful termination claims. Manufacturing environments with diverse workforces particularly benefit from this coverage.

Waste management coverage includes disposal liability, contamination cleanup, and regulatory compliance costs for manufacturing waste, broken products, and kiln ash disposal.

Large manufacturing facilities or those in high-risk areas should consider terrorism insurance to protect against property damage, business interruption, and supply chain disruption from terrorist acts.

When using subcontractors for maintenance, construction, or specialized services, contractor liability coverage protects against third-party claims arising from subcontractor activities on your premises.

Key person insurance protects against financial losses from death or disability of critical personnel such as production managers, kiln operators, or technical specialists essential to operations.

Commercial vehicle insurance covers delivery trucks, site vehicles, and mobile equipment. Coverage includes goods in transit protection for finished products during transportation.

Business interruption is crucial for brick manufacturers due to long production cycles, seasonal demand, and high fixed costs. Coverage protects profits during kiln repairs or equipment failures.

Regulatory protection covers fines and penalties from environmental agencies, health and safety violations, and building standards non-compliance, though criminal acts are typically excluded.