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PROTECT YOUR FACILITY, EQUIPMENT & CONTROLLED ENVIRONMENTS
Medical device manufacturing environments are highly specialised. Cleanrooms, ISO-classified areas, air filtration systems, CNC production lines, robotics and calibration labs require tailored property insurance that reflects contamination, downtime and regulatory risk.
Why Standard Property Insurance Is Often Not Enough
Medical device facilities face risks that typical factory policies may not adequately address.
- Contamination of sterile production areas
- HVAC and filtration system failure
- Cleanroom rebuild costs
- Environmental monitoring system damage
- Power interruption affecting controlled storage
- Calibration laboratory equipment damage
After a fire, flood or contamination event, the cost is not just rebuilding walls. You may face:
- Full cleanroom strip-out and revalidation
- ISO re-certification delays
- Batch destruction
- Extended regulatory inspection
- Loss of NHS or global distributor contracts
Buildings Insurance
Cover for purpose-built or adapted medical manufacturing facilities including:
- Factory units
- Cleanroom structures
- Office & R&D space
- Temperature-controlled storage
- Loading bays & goods areas
We ensure sums insured reflect:
- Reinstatement cost (not market value)
- Specialist materials & air handling systems
- Professional fees
- Debris removal
- Regulatory compliance rebuild costs
Cleanroom & Controlled Environment Cover
Cleanrooms are high-value, sensitive environments. Damage can occur without visible fire or flood.
- Contamination incidents
- Air handling system failure
- Pressure imbalance
- Water ingress from sprinkler activation
- Microbial growth
Policies can include:
- Decontamination costs
- Validation & requalification expenses
- Environmental testing
- Replacement of HEPA filters
- Loss of production during clean-up
Plant, Machinery & Specialist Equipment
Medical device manufacturers rely on advanced machinery:
- CNC machining centres
- Laser cutting systems
- 3D printing equipment
- Robotic assembly lines
- Sterilisation units
- Testing & calibration devices
Machinery breakdown cover protects against:
- Mechanical failure
- Electrical short circuit
- Control panel failure
- Operator error damage
- Sudden & unforeseen breakdown
Business Interruption Insurance
After a serious property loss, your greatest cost may be downtime.
- Loss of gross profit
- Increased cost of working
- Additional rental of temporary facilities
- Expedited shipping costs
- Supplier interruption
Indemnity periods should reflect:
- Cleanroom rebuild time
- Equipment replacement lead times
- Regulatory revalidation
- Re-certification delays
FREQUENTLY ASKED QUESTIONS
Does standard property insurance cover cleanrooms?
Not always. Cleanrooms require specialist wording to address contamination and revalidation costs.
What is machinery breakdown insurance?
It covers sudden and unforeseen mechanical or electrical failure of insured plant and equipment.
How long should my business interruption indemnity period be?
Medical device manufacturers often require 18–36 months due to regulatory requalification and rebuild timelines.
Is flood risk a concern for medical factories?
Yes. Flood can damage both infrastructure and sterile environments, causing extended downtime.
Can stock in temperature-controlled storage be insured?
Yes. Stock deterioration cover can protect against refrigeration or power failure.
Are HEPA filters and HVAC systems covered?
They can be included as part of buildings or plant cover depending on policy structure.
Does insurance cover contamination events?
Some policies can include contamination extensions, but this must be structured carefully.
How much does factory & cleanroom insurance cost?
Premium depends on building value, location, flood risk, machinery value, cleanroom classification, turnover and claims history.