My Account
We compare quotes from leading insurers
ENGINEERING & MANUFACTURING COVER — COMBINED IN ONE PACKAGE
What is a Combined Engineering Manufacturing Insurance Package?
A combined package policy is designed to bring your core manufacturing and engineering covers into one integrated solution. Rather than trying to bolt together multiple standalone policies (often with gaps, overlaps, or conflicting wording), a combined package is arranged to suit your operation — your premises, machinery, production process, workforce, turnover, and the way you supply customers.
It typically blends the essentials like Property, Business Interruption and Liability, while also allowing you to add engineering-specific protections such as Machinery Breakdown, Deterioration of Stock, and Tools/Plant, plus optional covers like Cyber, Goods in Transit and Product Liability/Recall.
What’s Included in a Combined Package?
Combined packages are built around your real-world exposures — fire, flood, theft, equipment failure, human error, supplier disruption, customer claims, and regulatory scrutiny. Below are the most common building blocks.
Core Covers
- Buildings & Contents – workshops, units, offices, fixtures, racking and plant rooms.
- Stock / Materials – raw materials, work-in-progress, finished goods and packaging.
- Business Interruption – protects gross profit and ongoing costs after insured damage.
- Public & Products Liability – third-party injury/property damage arising from your business or products.
- Employers’ Liability – compulsory cover for employee injury/illness claims.
- Money & Theft – theft by forcible entry, cash on premises, and safe cover (options vary).
- Legal Expenses – optional disputes support for contracts, employment and tax investigations.
Engineering & Manufacturing Enhancements
- Machinery Breakdown – sudden mechanical/electrical failure of production machinery.
- Computer & Control Systems – PLC/SCADA controls, drives, and industrial electronics (options vary).
- Deterioration of Stock – loss of temperature-controlled goods due to breakdown or outage.
- Increased Cost of Working – hire-in plant, overtime, temporary premises to keep production running.
- Tools & Portable Equipment – tools, calibration equipment, laptops, test kits and instruments.
- Goods in Transit – your own deliveries or courier risk (UK/EU options).
- Product Recall – specialist add-on for withdrawal and remediation of defective items.
Why Choose a Combined Policy Instead of Separate Covers?
Manufacturing businesses often buy insurance in pieces: one policy for property, another for liability, another for machinery, and then add-ons for transit or cyber. This can work — but it commonly creates blind spots.
A combined package helps ensure your covers are coordinated and built around the same description of your business, the same risk information, and aligned limits. That matters most during claims.
- Less admin – fewer renewals, fewer forms, fewer insurer conversations.
- Joined-up wording – reduces disputes about which policy should respond.
- Better value – insurers often price packages competitively versus standalone policies.
- Clearer limits – easier to set correct sums insured and indemnity periods.
- Smarter add-ons – optional modules tailored to your specific production risks.
Common Claim Scenarios for Manufacturers & Engineers
This is where combined cover proves its value — because many incidents trigger multiple losses at once: property damage, interrupted production, stock spoilage, and third-party claims.
Fire or Electrical Incident in the Workshop
A fire damages machinery, tooling, and finished goods. Production stops for weeks, overtime and subcontracting are needed, and key customers threaten contract penalties. A combined policy can address:
- Buildings/contents repairs and replacement
- Stock and work-in-progress loss
- Business interruption (gross profit & ongoing costs)
- Increased cost of working to keep orders moving
Machinery Breakdown Halts Production
A critical CNC, press, laser cutter, packaging line or compressor fails suddenly. Repairs take days or weeks and parts are delayed. With the right engineering extensions you can protect:
- Repair/replacement of insured machinery breakdown
- Business interruption caused by breakdown
- Hire-in plant or temporary solutions
- Rush freight for essential replacement parts (where covered)
Customer Injury on Site
A visiting customer, auditor, or contractor is injured at your premises. Public liability can respond to injury claims and associated legal defence. This is especially important where you host third parties for inspections, sign-offs, or collection.
Defective Batch, Component Failure or Product Recall
A batch issue in materials, tolerances, assembly, or labelling triggers customer complaints. In higher-risk sectors, recalls and remediation costs can be substantial. Packages can be structured to include:
- Products liability for third-party injury/property damage claims
- Recall expenses (if added) — notification, logistics, disposal, replacement
- Legal defence and investigation support
- Crisis management/PR support (policy dependent)
What Insurers Need to Quote a Combined Package
To produce accurate pricing and avoid delays, insurers will usually ask for clear operational detail. We’ll guide you through this and help present the risk properly so the policy fits your business.
Business & Premises Information
- Turnover split (UK/EU/Worldwide export if applicable)
- Number of employees and use of contractors
- Premises type (unit/workshop/factory), construction, protections
- Security measures (alarms, CCTV, access control, shutters)
- Fire protections (alarms, extinguishers, sprinklers where present)
- Claims history and any known incidents
Production, Machinery & Risk Controls
- Key machinery list (age, value, maintenance regime)
- Quality control processes (inspection, traceability, testing)
- Material sourcing and supplier controls
- Highest-risk products or sectors served
- Contractual requirements (limits, territories, endorsements)
- Any heat work / welding / flammable storage (if relevant)
If you’re not sure about limits or sums insured, Insure24 can help you set them correctly. Underinsurance is one of the most common reasons manufacturing claims go wrong — especially buildings, stock and business interruption.
How to Get a Combined Engineering Manufacturing Package
- 1. Tell us about your operation – premises, turnover, products and process.
- 2. Choose cover modules – property/BI/liability plus engineering enhancements.
- 3. Set the right limits – sums insured, indemnity periods, and liability limits.
- 4. Compare options – we present quotations and explain key differences.
- 5. Put cover in place – receive confirmation and documentation promptly.
“Having property, breakdown and business interruption aligned in one package made renewals simpler and gave us confidence our production risks were properly covered.”
Operations Manager, UK Manufacturing BusinessFREQUENTLY ASKED QUESTIONS
+-
What is a combined engineering and manufacturing insurance package?
A combined package is a single policy that can bring together core covers like property, business interruption and liability, with engineering enhancements such as machinery breakdown, increased cost of working, tools cover and other modules tailored to manufacturing operations.
+-
Is machinery breakdown included automatically?
Not always. Many package policies allow machinery breakdown as an optional extension. If your production relies on key equipment (CNC, presses, compressors, packaging lines), it is usually worth adding and aligning it with business interruption cover.
+-
What does business interruption cover for manufacturers?
Business interruption can cover loss of gross profit and continuing expenses following insured damage (e.g., fire or flood). For manufacturers it can also be structured to include increased cost of working, and (if added) interruption caused by machinery breakdown.
+-
Do I need products liability as part of my package?
If you manufacture, assemble, modify, supply or brand products, products liability is usually essential. It protects against third-party injury or property damage claims caused by your products, and can be paired with product recall cover where appropriate.
+-
How do I choose the right indemnity period?
The indemnity period is how long business interruption can pay following a loss. Many manufacturers choose 12–24 months depending on lead times for machinery, building repairs, tooling replacement and customer requalification. We’ll help you set a realistic period.
+-
Can I include tools, plant and portable equipment?
Yes. Many engineering businesses add cover for tools, portable instruments, test equipment and laptops. Terms vary depending on security, how equipment is stored and where it is used (on-site, off-site, in vehicles).
+-
What are common exclusions in combined manufacturing packages?
Exclusions vary by insurer but can include gradual wear and tear, poor maintenance, defective workmanship on your own products (as opposed to resulting injury/damage), known defects, and certain high-hazard processes unless disclosed. We’ll highlight key exclusions in your quote comparison.
+-
How quickly can Insure24 arrange cover?
Timeframes depend on complexity, but many combined package quotes can be produced quickly once we have accurate sums insured, business details, and any key underwriting information (products, processes, claims history, and exports).