Fire, flood, theft or machinery breakdown can threaten the very core of your pet food manufacturing business. Factory buildings and the specialist equipment within are critical assets—without them, production halts, contracts may be lost and your reputation with customers and retailers could suffer irreparable damage. Our insurance is designed to keep your operations running and your future secure, no matter what happens.
Pet food manufacturing involves a unique risk profile compared to other food sectors. Rigorous hygiene standards, high-value ingredients and stock, critical controlled temperatures, and complex machinery all increase your exposure.
We understand how even minor incidents, like a small fire in a mixing room or machine breakdown, can become a major crisis without rapid support.
Our comprehensive manufacturing property insurance can be tailored to the exact needs of your operation, from single on-site factories to multi-site production plants with distribution centres and warehousing.
If a fire, flood, or machinery fault stops your operations, business interruption cover steps in to keep your business financially secure. We’ll work with you to establish a realistic indemnity period and assess the gross profits you need to keep staff paid, orders fulfilled, and overheads covered while you rebuild or re-equip.
With decades of experience in the UK pet food sector, we know how disruptive a serious property incident can be. Our dedicated claims and risk management teams ensure you receive expert, hands-on support from incident to settlement and beyond.
Having the wrong sum insured can lead to catastrophic underinsurance. After a total loss, an inadequate sum insured means your claim payout may fall thousands—or even millions—of pounds short. We help you get this right and review it each renewal to avoid shortfalls and penalties.
Insure24 supported us when a fire shut down our main production hall. They arranged an interim payment and guided us through emergency repairs – we were back up and running far quicker than expected.
Jonathan R., Operations Manager, Pet Food Manufacturing CompanyYour factory insurance should support your compliance with all relevant legislation and standards. Our covers are designed to dovetail with food safety, workplace safety, fire regulations and building codes.
We make it straightforward and personal. Every factory and property is different, and every pet food operation needs its own solution.
What does factory and buildings insurance cover for pet food manufacturers?
Cover usually includes protection for your factory premises, outbuildings, machinery, raw materials, finished product stock, and loss of profit if you’re unable to trade as usual following an insured incident such as fire, flood, theft, storm or accidental damage. Optional covers like machinery breakdown, contamination, goods-in-transit and environmental liability can be added depending on your needs.
Is damage or spoilage of pet food stock during power cuts or chiller failure covered?
Most specialist factory insurance includes stock-in-freezer/chiller extensions or can be upgraded to insure stock spoilage caused by power failure, equipment breakdown or temperature fluctuation. Always check your individual policy extensions, as cover for certain types of spoilage or contamination can be excluded in some generic policies but is included in our specialist schemes.
What is “sums insured” and how do I know if I’m underinsured?
Your sum insured should represent the full rebuilding cost of your property (not just market value), plus accurate replacement costs of machinery and stock. If your sums insured are too low, the insurer may apply an “average clause” and only pay a proportion of any claim. We help all our clients review and calculate this, and recommend a rebuild cost assessment every few years.
Is business interruption included in property policies for manufacturers?
Specialist factory property insurance will generally include or offer business interruption as an extension. This covers the loss of gross profit and ongoing expenses if you cannot trade normally after an insurable incident, as well as extra costs to keep operations going (such as temporary relocation, hiring alternative equipment or paying overtime). It’s particularly vital for pet food manufacturing where supermarket supply contracts and shelf life are key.
Do I need additional insurance for new plant, machinery or extensions?
Yes—it’s crucial to update your cover whenever you invest in new machinery or extend your premises. Contract works or additions can often be added under your existing policy but must be declared to avoid gaps in cover. Tell us about changes in your operation so we can keep your protection up to date and ensure you’re never underinsured. We also offer bespoke advice for construction period risks.
Does my property policy cover environmental or pollution claims?
Many factory property policies now feature environmental liability and clean-up extensions, especially for manufacturing sites handling chemicals, oils or bulk waste. We will help you assess your risks and recommend appropriate cover so you’re protected against regulatory enforcement or third-party claims if a spill, leak or fire leads to environmental damage.
Use the parent manufacturing page to compare the wider cover structure, then move into the most relevant cost, product liability and risk-assessment guides.
Product liability insurance for manufacturers, Factory insurance UK guide, Manufacturing risk assessment guide, UK manufacturing insurance cost guide
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