• Buildings Insurance – Factory, warehouse, offices, mezzanines, loading bays, ancillary structures and outbuildings (where declared).
• Contents & Plant – Fixtures, racking, benches, extraction, compressors, ovens, test equipment and general factory contents.
• Stock & Materials – Raw materials, finished goods, packaging, spare parts and (where required) high-value electronic stock.
• Work in Progress – Protection for part-finished items, assemblies and components in production (subject to underwriting and sums insured).
• Theft & Malicious Damage – Cover designed for factories with higher target attractiveness (copper, tools, electronics, laptops and test kit).
• Escape of Water – Damage from sprinkler discharge, burst pipes and leaks (risk-managed with maintenance and frost controls).
• Storm, Flood & Subsidence – Protection against severe weather losses (subject to flood mapping and terms).
• Equipment Breakdown – Optional cover for sudden and unforeseen breakdown of insured plant and equipment (often paired with BI).

• Electrical fires from high-load distribution boards, test rigs, ovens and charging systems
• Dust, fumes and extraction failures (including soldering fumes and particulate risk)
• Solvents, coatings, resins and chemical storage incidents
• Sprinkler activation or water leaks damaging sensitive electronics and packaging
• Flooding to ground-floor storage, goods-in bays and warehouse racking
• Theft of copper, cable drums, tools, laptops, test equipment and high-value stock
• Power surge damage to calibrated test equipment and precision instrumentation
• Compressor / plant room failures causing site-wide downtime
• Arson and malicious damage (especially on industrial estates)
• Vehicle impact at loading bays, shutters and perimeter fencing
• Roof leaks, storm damage and water ingress affecting production areas
• Business interruption from supplier dependency and delayed reinstatement

• Manufacturing-first approach – We build the property submission around how your site actually operates (utilities, plant rooms, processes, storage, fire protection and security).
• Insurer appetite matching – We place you with markets suited to industrial risks, not generic retail property schemes.
• BI aligned to recovery reality – We help select correct indemnity periods and sums insured, including seasonal peaks and lead times.
• Practical claims support – Clear documentation, valuations and reinstatement planning reduce disputes and delays.

• 1. Tell us about the site – Address, construction, floor area, occupancy, processes and any hazardous storage.
• 2. Confirm sums insured – Buildings reinstatement value, contents/plant, stock levels and WIP.
• 3. Set business interruption correctly – Gross profit, indemnity period and key dependencies.
• 4. Arrange cover – Receive documentation suitable for landlords, lenders and customer tender requirements.

• Protection for test benches, calibrated instruments and ESD-controlled areas
• Stock cover aligned to high-value small-item electronics and storage methods
• Theft and security focus for portable, target-attractive equipment
• Power surge protection considerations and electrical maintenance presentation
• BI structured around quick reinstatement and temporary relocation options

• Landlord/tenant responsibilities (who insures what)
• Sprinkler and fire compartmentation considerations
• Third-party exposures such as neighbouring tenant fire spread
• Security requirements: alarms, shutters, CCTV, access control
• Loss prevention aligned to estate-level risks (arson, theft, vandalism)

Buildings insurance is normally set on a reinstatement basis — the cost to rebuild your factory or premises if it were destroyed, including professional fees, debris removal and compliance with modern building regulations. This is often very different from the market value of the property.

If your premises includes mezzanine floors, reinforced slabs, specialist electrics, plant rooms, ventilation ducting, extraction, bespoke storage or internal partitioning for controlled environments, these can increase reinstatement cost significantly. Underinsuring buildings is one of the most common and expensive mistakes in property insurance because insurers may apply “average” (proportional settlement) where sums insured are inadequate.

• Rebuild cost includes demolition, professional fees and regulatory compliance
• Mezzanines, loading bays, shutters and internal fit-out add to rebuild cost
• Landlord/tenant split must be clear (who insures roof, structure and services)
• If you lease, make sure your lease terms match your insurance arrangement

Business interruption (BI) covers the loss of gross profit and/or increased costs of working following an insured event (such as a fire). This is often the difference between a business surviving a major property incident and suffering long-term damage.

The key is setting the sum insured and indemnity period realistically. If your lead times are long, replacement machinery is specialised, or reinstatement requires specialist contractors, a short indemnity period can leave you uninsured for the second half of the recovery. BI should reflect not only rebuild time, but also the time to re-qualify processes, recalibrate equipment, restore QA documentation, rebuild inventory and regain customer confidence.

• Gross profit should reflect real margins and fixed costs
• Indemnity period should match realistic reinstatement and ramp-up time
• Increased Cost of Working supports outsourcing, overtime and temporary premises
• Consider dependencies: critical suppliers, utilities and key customers

Fire is still the biggest severity driver in factory insurance. Insurers will pay close attention to fire alarms, detection type, sprinkler protection, extinguishers, housekeeping, waste controls, and hot works management (welding, grinding, cutting, roofing works). In electronics manufacturing, additional attention is often paid to extraction and the handling of flux, solvents and coatings.

Even if you don’t consider your processes “hazardous”, small operational factors can change insurer perception: overnight charging of devices, density of combustible packaging, use of space heaters, storage close to electrical distribution boards, and whether plant rooms are kept clear and maintained.

• A maintained alarm and clear monitoring arrangements are critical
• Sprinklers can materially improve terms and capacity for larger risks
• Hot works permits reduce loss severity and protect insurer confidence
• Housekeeping and waste removal schedules matter more than most expect

• Building repairs, contractors and professional fees
• Replacement of damaged stock, packaging and calibrated equipment
• Debris removal and clean-up (including specialist contamination clean)
• Repair/replacement of plant room equipment and critical utilities
• Temporary site security, boarding and safety compliance works
• Claims preparation and loss adjuster interaction time/cost

• Building construction (roof type, wall type, age, cladding details)
• Fire protection (alarm, sprinklers, extinguishers, compartmentation)
• Processes on-site (soldering, curing ovens, coating, chemicals)
• Electrical inspection and maintenance routines
• Security (alarm, CCTV, access control, keyholding)
• Stock values and storage layout (racking, segregation, off-floor storage)
• Plant rooms and critical utilities (compressors, chillers, extraction)
• Housekeeping, waste management and hot works controls

Situation: A small electrical fire damaged a plant room distribution board and knocked out site utilities.

Impact: Production stopped immediately, and stock in the affected area risked smoke contamination.

Resolution: Property cover supported repairs and clean-up, while business interruption helped protect cash flow during reduced output.

Situation: Storm damage led to roof leaks above a production zone.

Impact: Temporary shutdown, clean-up and urgent repairs to prevent further contamination.

Resolution: Buildings cover supported reinstatement and BI helped manage lost output during recovery.

• Maintain fire alarm systems and keep inspection records
• Hot works permits and contractor controls for welding/roofing
• Good housekeeping and safe waste storage/removal routines
• Electrical inspections and thermal imaging where appropriate
• Separation of combustible packaging from ignition sources
• Plant room discipline: clear access, tidy cabling, clean floors
• Secure chemical storage and spill containment where required
• Regular roof, gutter and downpipe maintenance inspections

Ideal for: Smaller sites with lower stock and simpler processes

• Buildings and contents on a core perils basis
• Stock cover aligned to average holding levels
• Basic BI with sensible indemnity period
• Theft cover subject to security conditions
• Optional equipment breakdown where critical plant exists

Ideal for: Higher stock values, complex processes or single-site dependency

• Enhanced BI with longer indemnity periods
• Supplier/customer dependency (contingent BI) where suitable
• Higher sums insured with evidence-based valuations
• More tailored wording for specialist equipment and utilities
• Broader extensions for temporary relocation and resilience

• The cost to repair or rebuild your factory premises
• Replacement of damaged stock, tools, fixtures and equipment
• Loss of gross profit following an insured incident
• Overtime, outsourcing and premium freight to keep customers supplied
• Damage caused by fire, flood, storm, escape of water or theft

• Landlord and lender insurance requirements
• Health & safety obligations for industrial premises
• Fire risk assessment expectations and documented controls
• Customer audit expectations around continuity planning
• Security and access control requirements for valuable stock