What Insurance Does a Manufacturer Need? (UK Guide)

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Comprehensive guide to insurance coverages required by UK manufacturers, from property to liability and supply chain protection.

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We compare quotes from leading insurers

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

ESSENTIAL INSURANCE FOR MANUFACTURERS

Why Manufacturer Insurance Matters

Manufacturing businesses face multiple risks including property damage, product liability, machinery breakdown, and business interruption. Tailored insurance ensures that your factory, equipment, products, and employees are fully protected, and financial losses are minimised.

Typical Covers for UK Manufacturers

Essential insurance lines that manufacturers often need:


  • Public Liability – cover for injury or property damage caused by your products or operations
  • Employers’ Liability – mandatory if you employ staff
  • Property Insurance – factory, warehouse, and stock cover
  • Machinery Breakdown – covers equipment failure and repair costs

  • Business Interruption – protects lost income due to production halts
  • Goods-in-Transit – cover for stock during distribution
  • Product Liability – protection against faulty products causing damage or injury
  • Professional Indemnity – for design, advice, or consultancy work

FREQUENTLY ASKED QUESTIONS

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What insurance do UK manufacturers need?

Manufacturers typically need Public Liability, Employers’ Liability, Property, Business Interruption, Machinery Breakdown, Goods-in-Transit, Product Liability, and Professional Indemnity insurance depending on the operations.

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Is Employers’ Liability mandatory?

Yes. Any UK manufacturer employing staff is legally required to hold Employers’ Liability insurance.

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Does Business Interruption cover loss of income?

Yes, Business Interruption insurance covers loss of revenue if production is halted due to insured events like fire, machinery breakdown, or other operational disruptions.

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