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FACTORY & WORKSHOP INSURANCE THAT PROTECTS YOUR PREMISES
Why Factory, Workshop & Property Insurance Matters
Your premises are the heartbeat of your operation. Whether you run a fabrication shop, CNC workshop, assembly unit, warehouse, or multi-site factory, a single incident can stop production overnight. Fire, flood, storm damage, theft, accidental damage, or equipment-related incidents can cause major financial loss and contractual issues. Insure24 arranges specialist property insurance designed for engineering and manufacturing risks — protecting your building, machinery, tools, stock and your income if you can’t trade.
What Can Be Covered?
Factory and workshop risks vary massively depending on your processes, layout, and what you store on-site. We tailor cover around your premises type (owned, leased, or rented), your assets, and the operational impact of downtime. Policies can be arranged as standalone property cover, or combined with liabilities and engineering extensions.
- Buildings – cover for factories, workshops, units, outbuildings and fixed structures (reinstatement basis).
- Contents – fixtures, fittings, office equipment, racking, electrics and general workshop contents.
- Plant & Machinery (Property Perils) – machinery damaged by insured events like fire, flood or theft.
- Stock & Materials – raw materials, part-finished and finished goods, packaging and consumables.
- Business Interruption – protects gross profit and ongoing costs after an insured event.
- Theft & Malicious Damage – including break-ins, vandalism and attempted theft losses.
- Glass – cover for external glazing and internal glass (where required).
- Loss of Rent – if you let part of the premises or rely on rental income (optional).
Engineering & Manufacturing Extensions
Many manufacturers need more than “standard property” cover. If you rely on specialist machinery, operate hot works, store high-value metals, or have tight production schedules, these extensions can be critical.
- Machinery Breakdown – cover for sudden mechanical/electrical breakdown (separate from property perils).
- Deterioration of Stock – for temperature-controlled materials/processes (where applicable).
- Specified All Risks – broader cover for high-value equipment (subject to underwriting).
- Portable Tools & Equipment – cover for tools away from premises (optional).
- Computer / Electronic Equipment – cover for servers, controls, CAD/CAM workstations and specialist electronics.
- Goods in Transit – components and finished goods while being transported.
- Increased Cost of Working – hire temporary equipment, outsource production, pay overtime to catch up.
- Denial of Access – cover if you can’t access the premises due to nearby incidents (subject to wording).
Common Factory & Workshop Property Risks
Manufacturing premises have unique hazards — especially where machining, welding, cutting, paints/solvents, extraction systems and high-value stock are present. We help you identify exposures and match cover accordingly.
- Fire & smoke damage – hot works, electrical faults, extraction issues, combustible storage.
- Flood & escape of water – burst pipes, roof leaks, flash flooding and drainage failures.
- Theft – targeted theft of tools, copper, stainless, powered equipment and high-value stock.
- Storm damage – roofs, cladding, doors, skylights and external structures.
- Accidental damage – forklift impacts, racking collapses, dropped loads and internal collisions.
- Explosion / pressure incidents – compressors, gas cylinders and certain manufacturing processes.
- Business interruption – production stoppage leading to late delivery, lost turnover and extra costs.
- Supply chain disruption – delays causing storage pressure and contractual issues (managed via BI planning).
How to Set the Right Sums Insured
Underinsurance is one of the most common issues on factory and workshop property policies. If sums insured are too low, insurers may reduce claim payments. We help you set realistic figures based on rebuild costs, replacement values and peak stock levels.
Buildings
- Insure on a reinstatement basis (rebuild + professional fees + debris removal).
- Consider cladding, cranes, pits, mezzanines, ducting and extraction installations.
- Factor in inflation and recent construction cost changes.
Contents, Machinery & Stock
- Use replacement cost for machinery where possible and maintain a current asset list.
- Insure stock/materials at realistic peak values (not average).
- Identify high-value items (CNC controls, tooling, calibration, dies, jigs, fixtures).
Why Choose Insure24?
We arrange specialist factory and workshop property insurance for engineering and manufacturing businesses across the UK. Our focus is on practical cover that responds when you need it — and policy terms that reflect how your premises is actually used.
- Manufacturing-focused – we understand workshops, production risks and asset-heavy operations.
- Market access – compare leading UK insurers for factory and workshop risks.
- Better presentation – we help you evidence security, fire precautions and risk controls to improve terms.
- Claims support – help with documentation and insurer coordination to speed up outcomes.
- Flexible policies – add BI, breakdown, tools, transit and liabilities as your business changes.
After a small fire in our fabrication bay, our property and business interruption cover helped us replace damaged equipment and keep orders moving. The support made a huge difference.
Director, Engineering Workshop (UK)PROTECT YOUR PREMISES
- The cost of repairing or rebuilding your factory or workshop after a major incident
- Replacing machinery, contents, tools, stock and materials damaged by insured events
- Loss of gross profit when production stops (business interruption)
- Extra costs to keep trading (outsourcing, temporary premises, overtime)
- Support with evidencing risk controls to achieve better terms
Compliance & Risk Management (Premises)
Factory and workshop insurers commonly look for practical risk controls. We can help you present these during quotation:
- Security: alarms, CCTV, shutters, access control, keyholder procedures
- Fire precautions: extinguishers, extraction, hot works controls, housekeeping
- Electrical safety: inspections, PAT where relevant, maintenance records
- Storage: segregation of flammables, gas cylinder controls, racking safety
- Business continuity: backups, critical spares, alternative suppliers and outsourcing options
FREQUENTLY ASKED QUESTIONS
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What does factory and workshop property insurance cover?
Factory and workshop property insurance can cover your buildings, contents, plant and machinery (for insured perils), stock and materials against events such as fire, flood, storm, theft and accidental damage (subject to policy terms). Business interruption can be added to protect your income if you can’t trade after an insured event.
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Does property insurance include machinery breakdown?
Standard property cover protects against insured events (like fire or flood). Machinery breakdown is usually arranged as a separate engineering section that covers sudden and unforeseen mechanical or electrical failure, subject to insurer underwriting and policy wording.
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How do I choose the correct sums insured?
Buildings should be insured on a reinstatement basis (rebuild cost plus fees). Contents and machinery should reflect replacement cost. Stock should reflect peak values, not average. Accurate figures reduce the risk of underinsurance and claim reductions.
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Can I insure rented or leased workshops?
Yes. You can insure your contents, stock and business interruption, and where required, your responsibilities under the lease such as tenant improvements. If you own the building, buildings cover can be added as well.
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How quickly can I get a quote?
We can often provide indicative terms quickly, but factory/workshop property risks may require underwriting review depending on values, processes and protections. Call us on 0330 127 2333 or submit the form and we’ll guide you through the fastest route.
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Does business interruption cover late delivery penalties?
Business interruption is designed to cover loss of gross profit and certain increased costs of working after an insured event. Contractual penalties are usually not covered as standard, but we can review your contract exposures and advise on appropriate risk management and insurance structure.