We provide insurance for all types of cleaning product manufacturers, including household cleaners, industrial degreasers, disinfectants, sanitisers, detergents, specialty chemicals, eco-friendly products, and private label manufacturers.

Yes, our policies include comprehensive product recall coverage, including notification costs, product retrieval and disposal, consultant fees, lost profits during recall periods, and reputation management expenses.

Yes, we provide coverage for risks associated with chemical storage, including fire, explosion, leakage, contamination, and environmental damage. Coverage extends to on-site storage and third-party storage facilities.

Our policies can include coverage for research and development activities, prototype testing, and new product launches, including extended reporting periods for products under development.

Yes, we offer worldwide coverage options for manufacturers with international operations, export activities, or global supply chains. Coverage can be tailored to specific territories and jurisdictions.

Premiums are based on factors including annual turnover, product types, manufacturing processes, safety records, regulatory compliance history, coverage limits required, and risk management measures in place.

We typically require company information, product specifications, manufacturing processes, safety data sheets, regulatory approvals, claims history, and details of existing risk management procedures.

Yes, our policies include environmental liability coverage for pollution incidents, contamination cleanup, regulatory fines, and third-party environmental damage claims arising from manufacturing operations.

Our cyber insurance covers attacks on manufacturing systems, industrial control systems, formula theft, ransomware affecting production, and business interruption from cyber incidents.

For standard risks, coverage can often be arranged within 48-72 hours. Complex risks requiring detailed underwriting may take 1-2 weeks, depending on the information required.

Yes, we can provide coverage for contract manufacturing relationships, including protection for both the brand owner and the contract manufacturer, with appropriate liability allocation.

We provide 24/7 claims reporting, dedicated claims handlers with manufacturing expertise, emergency response coordination, and access to specialist legal and technical advisors.

Yes, policies can be adjusted for new products, changed operations, acquisitions, or increased coverage requirements. We work with you to ensure continuous appropriate protection.

Standard exclusions may include deliberate non-compliance, known defects, war risks, and nuclear hazards. However, many exclusions can be bought back or modified based on specific needs.

We provide comprehensive coverage for private label manufacturing, including protection against claims from retailer customers and end consumers, with appropriate indemnity arrangements.

Yes, we specialise in covering manufacturers of eco-friendly and sustainable cleaning products, understanding the unique risks and regulatory requirements of green chemistry.

Our policies can cover multiple manufacturing sites, warehouses, and offices under a single policy, with appropriate limits and coverage tailored to each location's specific risks.

Coverage includes goods in transit, whether using own vehicles or third-party carriers, including protection against spillage, contamination, and regulatory response costs during transport.

Yes, we provide comprehensive regulatory defence coverage including legal costs for HSE investigations, Environment Agency proceedings, trading standards prosecutions, and regulatory appeals.

Yes, we can include supply chain coverage protecting against losses from supplier failures, raw material contamination, and disruption to critical supply relationships.

Our policies can include coverage for intellectual property disputes, formula theft, trade secret misappropriation, and patent infringement claims related to product formulations.

We conduct comprehensive risk assessments including site surveys, process reviews, safety system evaluations, regulatory compliance audits, and analysis of historical loss experience.

Yes, we offer enhancements specific to cleaning product manufacturing including extended chemical liability, enhanced recall coverage, regulatory update protection, and crisis management support.

We can tailor coverage for seasonal manufacturers or those with fluctuating production levels, with flexible premium arrangements and coverage adjustments throughout the year.

Our experienced claims team coordinates complex multi-party claims involving suppliers, customers, regulators, and other stakeholders, ensuring efficient resolution and cost control.

Yes, we provide coverage for start-up cleaning product manufacturers, with policies designed to accommodate growing businesses and evolving risk profiles during the early stages of operation.

We offer ongoing risk management support, regulatory updates, industry insights, claims prevention advice, and annual policy reviews to ensure continued appropriate coverage.

Insurance costs vary significantly based on annual turnover, product types, and risk factors. Small manufacturers may pay £2,000-£5,000 annually, while larger operations can expect £10,000-£50,000+. Factors affecting cost include chemical hazard levels, export activities, and claims history.

Disinfectant manufacturers face heightened risks due to biocidal regulations and antimicrobial efficacy claims. While standard cleaning product insurance provides base coverage, additional protection for biocidal product liability and regulatory compliance is often recommended.

While not legally mandated, household cleaning product manufacturers face significant liability risks from consumer use. Product liability insurance is essential given potential claims for chemical burns, respiratory issues, and property damage from household cleaners.

Industrial cleaning chemical manufacturers require comprehensive coverage including chemical liability, environmental pollution, professional indemnity for technical advice, and enhanced product liability due to the concentrated nature and professional use of industrial chemicals.

REACH non-compliance can void insurance coverage and result in regulatory fines. Our policies include REACH compliance support and cover legal defence costs for registration disputes, while ensuring coverage remains valid during regulatory transitions.

Eco-friendly manufacturers may benefit from reduced premiums due to lower toxicity risks, but face unique challenges including greenwashing claims, biodegradability disputes, and organic certification issues that require specialist coverage considerations.

Product liability coverage protects against allergic reaction claims, including medical expenses, legal defence costs, and compensation payments. Coverage extends to inadequate allergen warnings and cross-contamination during manufacturing processes.

Yes, employers liability insurance is legally required for most UK manufacturers with employees. Chemical manufacturing environments present heightened risks requiring enhanced coverage for occupational exposure, respiratory conditions, and chemical burns to workers.

Product testing activities are typically covered under professional indemnity insurance, protecting against claims from inadequate testing, false efficacy claims, and errors in safety assessments that could lead to product failures or consumer harm.

Antibacterial product manufacturers face specific risks including antimicrobial resistance concerns, efficacy claims disputes, and biocidal regulation compliance. Specialist coverage addresses these unique risks alongside standard manufacturing protections.

Incorrect labelling can void product liability coverage. Our policies include protection for labelling errors while requiring compliance with CLP regulations, safety data sheet accuracy, and proper hazard communication to maintain coverage validity.

Cyber insurance and intellectual property coverage protect against formula theft, trade secret misappropriation, and industrial espionage. Coverage includes investigation costs, legal action expenses, and business interruption from compromised formulations.

Carpet cleaning chemical manufacturers require coverage for fabric damage claims, colour bleeding issues, residue problems, and professional indemnity for cleaning advice. Enhanced product liability addresses the specialist nature of textile care chemicals.

Yes, we provide tailored coverage for small batch and artisanal cleaning product manufacturers, with flexible premium arrangements and coverage limits appropriate for smaller operations while maintaining comprehensive protection standards.

Previous recalls can increase premiums, but our policies include recall cost coverage and reputation management support. Proactive quality control and compliance programs can help maintain favorable premium rates despite past incidents.

Concentrated products present heightened risks due to dilution errors and increased potency. Enhanced product liability coverage addresses risks from incorrect dilution instructions, packaging failures, and consumer misuse of concentrated formulations.

Public liability insurance is essential for manufacturers with visitors, delivery operations, or direct sales activities. Coverage protects against third-party injuries on premises and property damage during business operations or product demonstrations.

Different product forms present varying risks - foam products may cause respiratory issues, while liquids pose spillage and corrosion risks. Our policies are tailored to specific product characteristics and associated risk profiles.

Packaging defect coverage protects against leakage, child-resistant closure failures, and inadequate warnings. This includes product recall costs, contamination cleanup, and liability claims from packaging-related incidents.

Brexit has impacted regulatory frameworks and supply chains. Our policies adapt to changing regulations, provide coverage for regulatory transition costs, and maintain protection for EU operations and exports under new trading arrangements.

Coverage for pandemic-related claims depends on specific policy terms. We provide protection for disinfectant efficacy claims, supply chain disruption, and enhanced cleaning protocol liability while excluding certain pandemic exclusions where possible.

Toilet cleaning products contain strong acids and alkalis requiring enhanced chemical liability coverage. Protection includes drain damage claims, septic system issues, and enhanced product liability for bathroom-specific chemical formulations.

Business interruption coverage is crucial given the potential for regulatory shutdowns, contamination incidents, and equipment failures. Coverage includes lost profits, ongoing expenses, and additional costs during production interruptions.

Best rates come from strong safety records, comprehensive quality control, regulatory compliance, effective risk management, and working with specialist brokers who understand manufacturing risks and can access competitive markets.

Multi-surface products face diverse liability risks across different material types. Coverage addresses potential damage to various surfaces, compatibility issues, and the complexity of testing and labelling for multiple surface applications.