Public vs Product vs Combined Insurance for Manufacturers

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Understand the difference between public liability, product liability and combined manufacturing insurance

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We compare quotes from leading manufacturing liability insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

CHOOSING THE RIGHT LIABILITY COVER FOR MANUFACTURING

Manufacturing businesses face multiple liability exposures - from visitors on site, to products supplied into the market, to contractual and supply-chain obligations. Understanding which liability cover you need is critical to avoiding gaps in protection.

Public Liability Insurance

Cover for third-party injury or property damage arising from your premises or operations.


  • Injury to visitors, contractors or delivery drivers
  • Damage to third-party property
  • Accidents occurring on factory or warehouse premises
  • Legal defence and compensation costs

Product Liability Insurance

Protection if products you manufacture, supply or distribute cause injury or damage.


  • Faulty or defective products
  • Injury or damage caused after products leave your control
  • Claims from end-users, retailers or distributors
  • UK and export market exposure

Combined / Package Manufacturing Insurance

An all-in-one policy bringing liability, property and operational cover together.


  • Public and product liability in one policy
  • Employers’ liability
  • Premises, plant and machinery cover
  • Business interruption protection

Which Manufacturing Insurance Do You Need?


  • Public liability if you have visitors or on-site operations
  • Product liability if you manufacture or supply goods
  • Combined insurance if you want joined-up protection
  • Higher limits if exporting or supplying critical components
  • Bespoke cover for regulated or high-risk products

FREQUENTLY ASKED QUESTIONS

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Do manufacturers need both public and product liability?

In most cases, yes. Public liability covers on-site risks, while product liability covers claims arising from goods supplied.

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Is product liability legally required?

While not always legally mandatory, product liability is essential for manufacturers and often required by customers or distributors.

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What are the benefits of combined insurance?

Combined policies reduce gaps in cover, simplify administration and often improve value for money.

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Does public liability cover product defects?

No. Public liability generally excludes product-related claims once goods have been supplied.

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Can Insure24 help structure the right cover?

Yes. Insure24 helps manufacturers assess liability exposure and arrange the most appropriate combination of cover.

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