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INSURANCE BUILT FOR ELECTRICAL PANEL MANUFACTURERS
Why Switchgear & Control Panel Manufacturers Need Specialist Cover
Manufacturers of switchgear, motor control centres (MCCs), LV distribution boards, and bespoke control panels operate in a high-liability environment. Your products distribute electrical power, protect critical infrastructure, and control complex machinery. If a panel fails, overheats, arcs, or causes electrical damage, the financial consequences can be severe.
From commercial buildings and data centres to manufacturing plants and renewable energy installations, your equipment often forms part of essential systems. A defect, wiring fault, design error, or component failure could result in fire, explosion, property damage, or injury claims.
Insure24 arranges specialist insurance for UK-based electrical component and switchgear manufacturers, ensuring your cover reflects your technical risk profile, design exposure, contract conditions, and regulatory obligations.
Core Insurance Covers for Switchgear Manufacturers
- Product Liability Insurance – Protection against injury or property damage caused by defective switchgear, panels, breakers or assemblies.
- Product Recall Cover – Costs associated with recalling faulty control panels or distribution boards.
- Professional Indemnity – Covers design errors, specification mistakes or engineering miscalculations.
- Employers’ Liability – Legal requirement in the UK for staff working in assembly, testing and fabrication.
- Public Liability – Protection during installation, commissioning or site visits.
- Property & Stock Insurance – Cover for components, copper busbars, breakers, enclosures and finished stock.
- Business Interruption – Loss of income following fire, flood or machinery breakdown.
- Machinery Breakdown – CNC punching, busbar processing equipment, and testing rigs.
Key Risk Areas in Switchgear & Control Panel Manufacturing
Fire & Arc Fault Risk
Switchgear assemblies handle significant electrical loads. Faulty connections, busbar misalignment, insulation failure or incorrect protection settings can lead to overheating, arc flash events or catastrophic failure.
Design & Specification Errors
If you design bespoke panels for clients, specification errors such as incorrect load calculations, breaker ratings or protection coordination can expose your business to substantial claims.
Contractual Liability
Many projects involve performance guarantees, liquidated damages clauses, and strict installation deadlines. Insurance must align with contractual exposures.
Export & International Exposure
If you export control panels overseas, you may require worldwide product liability and jurisdiction extensions.
"Insure24 understood our technical exposure straight away. Our bespoke MCC manufacturing business required tailored cover for design liability and export work – they structured the policy perfectly."
Operations Director, UK Panel ManufacturerFREQUENTLY ASKED QUESTIONS
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Do switchgear manufacturers need professional indemnity insurance?
Yes. If you provide design input, schematics, load calculations, or bespoke panel engineering, professional indemnity protects against claims arising from design or specification errors.
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Is product recall insurance necessary for control panels?
If a component defect affects multiple installations, recall cover can protect against inspection, replacement, and communication costs.
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Does insurance cover exported switchgear?
Policies can be arranged with worldwide cover, including US/Canada extensions where required.
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How much does switchgear manufacturing insurance cost?
Premiums depend on turnover, export exposure, claims history, testing procedures, and contract size. We provide tailored quotations following underwriting review.
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Does insurance cover installation work?
Yes, public liability and products liability can extend to cover installation and commissioning work, subject to policy terms.
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What information do insurers require?
Details on turnover split (manufacture vs installation), export territories, largest contract values, testing procedures, quality certifications, and any design responsibilities.
PROTECT YOUR BUSINESS
- Protection against high-value electrical fire claims
- Coverage for design and specification liability
- Contract performance risk alignment
- Stock and machinery protection
- Business interruption income replacement