Factory Insurance
Protect Buildings Machinery Stock Liability And Production
Factories bring together valuable buildings, production machinery, employees, raw materials, work in progress, finished stock, customer goods, forklifts, pressure systems, computer controlled equipment and distribution operations. Protection may need to extend well beyond the building itself.
A single fire, flood, machinery failure, injury, cyber incident or defective product allegation could interrupt the complete operation. Quote Monkey can introduce factory owners and operators to a specialist broker experienced in arranging insurance for manufacturing and industrial risks.
Factories Manufacturing Activities And Industrial Occupations
Factories range from small production units to complex plants with several shifts, laboratories, warehouses and international supply chains. A specialist review should follow the products, processes, materials, machinery, people, premises, contracts and sales territories rather than relying on the word factory alone.
What Factory Insurance Means
Factory insurance is a practical description for protection arranged around an industrial operation rather than one universal policy. It may combine buildings, machinery, stock, liability, transit, breakdown and interruption sections according to the accepted risk. Manufacturers Insurance provides related guidance for companies producing, assembling or processing goods. Every product, process, material, location and sales territory should be described accurately.
Factory Owners And Factory Operators
A company that owns and occupies its factory may need building and operational protection, while an operator renting space may insure machinery, contents, stock, liabilities and lease responsibilities without owning the structure. A property owner letting a factory to another business has different interests from the manufacturer inside it. Ownership, occupation, repairs, alterations, shared areas and contractual duties must therefore be clear.
Small Units And Large Industrial Plants
The page applies to small production units, family businesses, expanding home manufacturers, contract manufacturers and large plants operating several shifts. Scale changes the values and concentration of risk but not the need for accurate information. A modest unit may depend on one machine, while a large factory can have interconnected lines, utilities, warehouses, laboratories, vehicle fleets and complex supply chains.
Food Drink Bakery And Confectionery Factories
Food factories may prepare, cook, cool, fill, bottle, freeze, package and label products using ovens, refrigeration, steam, extraction and automated lines. Contamination, allergens, temperature control and seasonal stock can matter. Specialist examples include Pudding Manufacturer And Shop Insurance and Cake Maker And Seller Insurance, which show how manufacture may combine with retail and direct sales.
Metal Steel And Engineering Production
Metal factories may cut, press, form, fold, drill, machine, weld, grind, coat, assemble and test components for construction, automotive, marine and industrial clients. Steel Fabricator Insurance and Metalworker Public Liability Insurance illustrate related activities. Hot work, heavy handling, lifting equipment, precision tolerances and contractual specifications require careful presentation.
Timber Joinery Furniture And Soft Furnishings
Timber and furniture production can involve saws, routers, extraction, dust, glues, finishes, upholstery, sewing and combustible stock. Woodworker Public Liability Insurance addresses related craft and workshop risks, while Soft Furnishing Manufacturer And Retailer Insurance applies to businesses making and selling curtains, cushions, upholstery and similar goods. Dust control and fire separation can be significant.
Textiles Clothing And Specialist Product Makers
Textile and garment factories may cut, sew, embroider, press, dye, finish, label and pack goods for retailers or private labels. Hat Manufacturer And Retailer Insurance is a related specialist page. Fabrics, foam, thread, packaging and finished ranges can create high combustible stock values, while seasonal orders and fashion deadlines increase the importance of interruption planning.
Frames Decorative Goods And Household Products
Decorative and household production may use glass, ceramics, wood, wax, fragrance, paints, adhesives, packaging and heat. Picture Framer And Retailer Insurance covers a maker and retailer model, while Candle Makers Insurance shows the need to disclose heat processes, ingredients, vessels, testing, warnings, stock and online sales.
Security Electrical And Electronic Products
Factories producing alarms, controls, sensors, electrical equipment and electronic components may combine assembly, soldering, programming, testing and technical specifications. Security And Alarm Company Insurance is a relevant occupation page. Product performance, software, imported components, battery charging, customer data and professional advice can create exposures beyond ordinary workshop property damage.
Doors Windows And Building Products
Factories may produce doors, windows, panels, insulation, fixings, access systems and other construction goods. Garage Door Manufacturers Insurance demonstrates the combined responsibilities of design, fabrication, heavy products, springs, motors, safety systems, installation and repair. Fire rating, security, structural performance and instructions should only be represented on the basis of appropriate evidence.
Marine Agricultural Automotive And Bespoke Products
Factories can manufacture boats, vehicle parts, agricultural equipment, marine products and bespoke components. Boatbuilder Public Liability Insurance provides related guidance for marine construction. Made to order products may depend on drawings, customer materials, prototypes, testing and fixed delivery dates, so maximum contract values and consequences of delay should be explained.
Plastics Packaging Printing And Moulding
Plastics and packaging factories may operate injection moulding machines, extruders, presses, printing equipment, laminators, cutters and automated packing lines. Raw polymers, inks, solvents, films, paper, cardboard and finished packaging can create different fire, pollution and stock exposures. Tooling ownership, mould values, customer designs, recycled materials, food contact uses and quality control responsibilities should be declared.
Production Processes And Quality Control
Processes may include cutting, pressing, forming, folding, moulding, casting, welding, grinding, drilling, machining, fabrication, assembly, painting, coating, spraying, printing, finishing, sewing, cooking, cooling, filling, bottling, packing, labelling, testing and dispatch. Explain automation, temperatures, pressures, chemicals, extraction, tolerances, batch records, inspections, traceability and how nonconforming products are isolated.
Production Halls Plant Rooms And Laboratories
A factory can contain production halls, assembly cells, workshops, machine rooms, boiler and electrical rooms, laboratories, clean areas, cold stores, freezers, raw material stores, packaging zones, warehouses, loading bays, offices and staff facilities. Each area can have different fire loads, utilities, security, access and maintenance needs, while one shared service failure may affect the whole site.
Warehouses Yards Waste And Secure Compounds
Finished stock warehouses, external yards, tanks, silos, recycling areas, waste stores and secure compounds should be included with construction, values and hazards. Outdoor goods may face weather, impact, theft or contamination. Waste can introduce fire or pollution concerns. Loading movements, pedestrians, forklifts, visiting hauliers, perimeter security and out of hours surveillance should form part of the risk description.
Employees Shifts Contractors And Visitors
Factories may employ operators, engineers, quality staff, warehouse teams, drivers, cleaners, apprentices, temporary workers, office staff and managers across single or continuous shifts. Maintenance contractors, delivery drivers and customers may also enter operational areas. Induction, segregation, supervision, permits, competence, welfare, emergency arrangements and responsibility for subcontract labour are important to both safety and insurance.
Factory Buildings Machinery Stock And Production Protection
A factory depends on the building, machinery, utilities, stock, computer systems and specialist people operating together. Damage to one critical asset can stop the whole production flow, so values and operational dependencies should be considered together.
Factory Buildings Occupied By The Business
A factory building may include production halls, warehouses, workshops, offices, showrooms, loading bays, gates, fencing, lighting, fixed plant, heating, ventilation, electrical installations, solar panels, mezzanines, tanks and silos. Commercial Property Insurance is relevant where the business occupies the property. Reinstatement values should reflect specialist construction, professional fees, debris removal and current rebuilding costs.
Factories Owned And Let To Another Operator
Where the owner lets the factory to a separate manufacturing company, Commercial Property Owners Insurance may be more appropriate for the building interest. The lease should identify repair, maintenance, insurance, alterations, utilities, fire protection and loss of rent responsibilities. The tenant still needs separate protection for operations, machinery, stock and liabilities.
Rented Factory Premises
A tenant may be responsible for improvements, internal finishes, glazing, utilities, sprinkler maintenance or damage under the lease even though it does not own the building. The broker should review the lease, tenant alterations, machinery attachments, reinstatement obligations and rent exposure. Landlord insurance should not be assumed to protect the tenant machinery, contents, stock, liabilities or lost income.
Production Machinery Plant And Equipment
Factories may rely on production lines, computer controlled machinery, presses, lathes, mills, moulders, packaging machines, conveyors, compressors, generators, boilers, refrigeration, extraction, forklifts, cranes, welders, spray booths, ovens, kilns and test equipment. Plant And Machinery Insurance may protect accepted plant against selected damage, but scope, basis of valuation and breakdown protection require review.
Machinery Breakdown And Accidental Damage
Mechanical or electrical breakdown is not automatically included in every factory policy. The specialist needs a machinery schedule, age, values, maintenance, controls, dependencies, spare parts and replacement lead times. Accidental damage, operator error, internal failure, external insured damage and gradual deterioration can be treated differently. Cover should also consider expediting costs, hired replacements, specialist engineers and overseas components.
Engineering Inspections
Lifts, cranes, lifting accessories, pressure vessels, boilers and other qualifying equipment may require inspection under applicable law. Engineering Inspection Insurance can support relevant inspection and insurance needs. Requirements depend on equipment and use. Statutory examinations, routine maintenance and the factory own safety checks are separate responsibilities and should not be confused.
Contents Computers And Testing Equipment
Workbenches, portable tools, office furniture, computers, servers, design systems, laboratory instruments, quality equipment, packaging stations and internal fixtures may need Business Contents Insurance. Values should include specialist calibration and installation costs. Portable equipment, items temporarily away, customer property and software restoration may need separate attention within the arrangement.
Raw Materials Components And Packaging
Metals, timber, polymers, fabrics, ingredients, chemicals, electronic parts, customer materials, labels and packaging can represent substantial values before production begins. Business Stock Insurance may protect accepted stock against specified events. Maximum values, seasonal peaks, ownership, imported goods, combustible materials, temperature needs and goods held on consignment should be declared.
Work In Progress And Finished Products
Partly completed goods may include labour, energy and processing value beyond raw material cost. Finished stock may await testing, customer approval, packing or dispatch. Valuation should reflect the insured basis and accounting approach. Batch concentration, fragile products, high value orders, private label goods, customer supplied components and product withdrawal concerns can change the potential severity of a loss.
Stock At Other Locations
Materials, packaging and finished goods may be stored at a warehouse, fulfilment centre, supplier, customer, third party processor or rented unit. Business Goods And Stock In Self Storage may suit eligible commercial stock in self storage. Addresses, provider terms, fire protection, security, maximum values and movement between sites should be recorded.
Storage Insurance Hub
Storage Insurance is the main hub for personal belongings, business goods, stock or a combination of these kept in storage. A factory should not assume that its main premises policy automatically follows goods to every external location. Restricted materials, temperature sensitive goods, floor storage, flood exposure, stacking and provider exclusions require specific checking.
Fire Flood Theft And Physical Damage
Buildings, machinery and stock can be affected by fire, explosion, lightning, storm, flood, escape of water, impact, theft and malicious damage. The policy response depends on selected perils, limits, excesses, conditions and declared safeguards. Construction, compartmentation, sprinklers, alarms, water supplies, drainage, security, neighbouring occupancies and loss history can influence both underwriting and risk improvement requirements.
Business Interruption And Continuing Costs
Repairing a building or machine does not replace lost income. Business Interruption Insurance may address accepted loss of gross profit, continuing wages and rent, temporary premises, alternative machinery, outsourced production and additional working costs after insured damage. The indemnity period should reflect rebuilding, planning, machinery lead times, testing, recommissioning and customer recovery.
Commercial Combined Arrangements
Commercial Combined Insurance may bring selected property, liability, stock and interruption sections into a broader arrangement. It is not a guarantee that every factory exposure is automatically included. Machinery breakdown, cyber, pollution, marine transit, terrorism, product recall and specialist territories may still require extensions or separate policies.
Values Dependencies And Continuity Planning
Insurers may ask which machine or utility is critical, how long replacement takes, whether spare capacity exists and whether production can move elsewhere. Map dependencies on electricity, gas, water, steam, refrigeration, compressed air, software, suppliers, laboratories and logistics. Test emergency contacts, data backups, alternative suppliers, outsourcing arrangements, customer communications and safe shutdown procedures before a major incident occurs.
Arrange A Specialist Factory Insurance Referral
Quote Monkey can introduce you to a specialist broker experienced in arranging insurance for factories manufacturing businesses and industrial production risks. Include products, processes, buildings, machinery, values, stock, employees, fire protection, sales territories, vehicles and claims history.
Factory Liability Employees Products Transport And Sales
Factories owe responsibilities to workers, visitors, customers and the users of their products. Distribution, vehicles, imports, exports, private labels, professional advice and online sales can extend these responsibilities beyond the production site.
Public Liability Insurance
Visitors, delivery drivers, contractors and customers can be injured around production areas, loading bays, forklifts, materials or showrooms. Factory work away from the premises may also damage third party property. Public Liability Insurance may respond to accepted accidental injury or property damage claims, subject to the declared activities, evidence, limits and terms.
Employers Liability Insurance
Machine operators, engineers, warehouse workers, drivers, apprentices, temporary workers and office employees may face machinery, lifting, slips, workplace vehicles, noise, vibration, dust, fumes, heat and repetitive movement. Employers Liability Insurance is generally legally required for most employers, subject to limited exemptions. Labour arrangements and all worker duties should be described accurately.
Product Liability Insurance
A defective product, component failure, contamination, incorrect assembly, unsafe packaging, inadequate instruction or wrong label may allegedly cause injury or physical damage. Product Liability Insurance can be important for products manufactured, assembled, altered, imported, branded, privately labelled, sold online or supplied overseas. Products and territories must be accepted by the insurer.
Private Label Imported And Branded Products
A factory can carry significant responsibility when it places its name on goods, manufactures for another brand, changes imported products or incorporates foreign components. Contracts, design ownership, testing, specifications, labels, warnings, batch records, supplier rights, traceability and recall leadership should be clear. The original component supplier should not be assumed to accept every allegation or recovery action.
Design Specification Testing And Advice
Where a factory provides product design, calculations, technical specifications, testing reports, certification support, consultancy or professional advice, Professional Indemnity Insurance may need consideration. It is not necessary for every factory and does not automatically cover defective manufacture. The broker needs to understand contractual duties, reliance, financial loss exposures and maximum project values.
Group Personal Accident
Production businesses may consider Group Personal Accident Insurance for eligible accidental injuries affecting employees or company personnel. This can complement risk management and statutory liability protection but serves a different purpose. Benefits, insured persons, working hours, occupations, hazardous activities, travel and territorial scope should reflect the workforce and selected policy.
Directors And Officers
Directors and senior managers can face allegations connected with health and safety oversight, employment, financial management, reporting, environmental decisions or corporate governance. Directors And Officers Insurance may protect eligible individuals and entities subject to terms. It does not replace property, product, public or employers liability insurance for the factory operation.
Business Legal Expenses
Employment, contract, property, tax and regulatory disputes can create legal costs even without physical damage. Business Legal Expenses Insurance may support selected matters, subject to insured events, notification, prospects of success, panel arrangements and exclusions. Existing disputes and deliberate breaches should not be assumed to be covered.
Goods In Transit
Raw materials, components, tooling, customer goods and finished products may travel in company vehicles or through hauliers and couriers. Goods In Transit Insurance may protect accepted goods subject to packing, loading, restraints, theft security, temperature, carrier conditions, maximum values, journeys, ownership and contractual responsibility.
Commercial Vehicles And Motor Fleets
Vans, delivery vehicles and other commercial vehicles require appropriate Commercial Vehicle Insurance. Businesses operating several vehicles may consider Motor Fleet Insurance. Drivers, use, weights, modifications, forklifts, loading, trailers and territorial travel should be disclosed. Motor insurance does not automatically protect goods carried inside.
Imports And Exports
Importers And Exporters Insurance provides related guidance for materials, components and finished products crossing borders. Origin, destination, shipping terms, marine transit, sanctions, standards, labels, testing, supplier agreements, product liability territories and currency can affect risk. Imported goods may increase the factory responsibility where recovery from an overseas supplier is difficult.
Wholesale And Distribution
Factories may supply trade customers in volume, while group companies or third parties distribute products across several markets. Wholesaler Insurance and Distributor Insurance provide related guidance. Explain who owns stock, fulfils orders, gives warranties, handles complaints, controls labels and leads product withdrawal or recall.
Factories Selling Products Online
Factories increasingly sell through their own websites, online marketplaces, eBay and direct digital orders. The Website And Online Business Insurance guide covers trading dependencies. Product descriptions, payments, customer information, order processing, fulfilment, returns, marketplace requirements, delivery, export sales and stock allocated to internet orders should form part of the business and insurance presentation.
Cyber Insurance
Factories may depend on production planning, enterprise systems, computer controlled machinery, remote maintenance, websites, marketplace accounts, payments, supplier email and customer records. Cyber Insurance may support selected ransomware, privacy, restoration, fraud and interruption events, subject to controls. Backups, authentication, segmentation, updates, access restrictions and incident response remain essential.
Contracts Customers And Sales Territories
State whether products go to consumers, retailers, wholesalers, distributors, construction projects, automotive customers, food businesses, public bodies or overseas buyers. Contracts may impose design duties, testing, warranties, indemnities, delivery dates, penalties and high liability limits. The specialist needs typical and maximum order values, product destinations, revenue split, complaint history and any safety critical use.
Factory Risks Claims Safety And Specialist Insurance Reviews
A specialist broker will usually need detailed risk information because fire, machinery failure, pollution, liability, cyber and interruption exposures can interact. The claim examples below are illustrative and every outcome depends on policy wording, selected cover, limits, exclusions, evidence and circumstances.
Fire Explosion And Hot Work
Electrical faults, overheated machinery, welding, cutting, spray painting, flammable liquids, combustible dust, packaging, battery charging, ovens, kilns, boilers and waste can contribute to severe fire or explosion. Risk information may include compartmentation, extraction, detection, sprinklers, water supply, hot work permits, post work checks, housekeeping, maintenance and separation between production and high value stock.
Machinery And Production Line Failure
Mechanical, electrical, control, conveyor or tooling failure can stop an interconnected line even when only one component is damaged. Foreign objects, operator error, voltage disturbance and unavailable overseas parts may extend downtime. The factory should identify critical machines, maintenance support, spare parts, alternative capacity and whether machinery breakdown, expediting costs and interruption following breakdown are specifically included.
Refrigeration Pressure And Utility Failure
Food, pharmaceutical, chemical and temperature controlled factories may depend on refrigeration, freezers, compressed air, steam, boilers, cooling water or specialist gases. A failure could spoil stock, interrupt processes or create safety concerns. Deterioration of stock, machinery breakdown, utility interruption and pressure incidents can require different policy sections, inspections, alarms, monitoring and emergency procedures.
Flood Storm Water And Premises Damage
Floodwater, storm damage, roof failure, escape of water and drainage problems can affect low level machinery, electrical controls, raw materials and finished goods. Consider site history, rivers and surface water, floor levels, doors, drains, pumps, stock elevation, roof maintenance and shutdown plans. Subsidence, ground movement and ageing building materials may be treated separately under policy wording.
Theft Security And Out Of Hours Risks
Metals, electronics, tools, vehicles and finished goods can attract theft, while arson and malicious damage may be more severe when a factory is unoccupied. Perimeter fencing, gates, lighting, alarms, cameras, access control, key management, guards, vehicle immobilisation, stock cages and response arrangements should reflect the site. Vacant areas and reduced shifts need disclosure.
Pollution Environmental And Waste Considerations
Oils, chemicals, dust, fumes, contaminated water, tanks, drains, waste and firefighting runoff can create pollution or environmental liability. Such protection should not be assumed to be automatically included. Specialist extensions or separate arrangements may be required. Processes, quantities, containment, drainage plans, licences, waste contractors, historic contamination and emergency response should be explained to the broker.
Terrorism And Major Industrial Sites
Significant industrial buildings, high value machinery and concentrated stock can suffer property damage and prolonged interruption following a terrorism event. Terrorism Insurance may be relevant depending on location, values, lender or lease requirements and business continuity needs. Scope, geographic basis and interruption protection should be checked rather than assumed within conventional property insurance.
Claim Example Production Line Fire
An electrical fire damages a production line, extraction and finished stock. The investigation may consider origin, maintenance, fire separation, alarm response and declared values. Buildings, machinery, stock and interruption sections may each be relevant, but settlement depends on the insured cause, policy terms, limits, excesses, evidence and any applicable conditions.
Claim Example Critical Machine Breakdown
A unique imported machine suffers an internal mechanical failure and production stops for several months while parts are manufactured. Machinery breakdown and interruption following breakdown may be relevant only if selected. Wear, gradual deterioration, maintenance, cause, repair options, expediting costs, spare capacity and the chosen indemnity period can influence the response.
Claim Example Forklift Injures A Visitor
A forklift collides with a delivery driver in a loading area. Public liability may respond to an accepted claim. Traffic routes, pedestrian segregation, induction, visibility, speed controls, operator competence, supervision, incident evidence and responsibility for the visitor may be examined. Damage to the forklift and any carried goods are separate interests.
Claim Example Employee Hand Injury
A machine operator suffers a serious hand injury during an adjustment. Employers liability may respond to an accepted workplace allegation. Guarding, isolation, lockout procedures, training, supervision, maintenance, production targets, risk assessments and accident reporting may be relevant. Criminal fines and deliberate breaches should not be assumed to be covered by liability insurance.
Claim Example Defective Component
A component supplied by the factory fails and damages the customer final product. Product liability may respond to accepted physical damage allegations, while the defective component itself, replacement costs, recall, delay and pure financial loss may be treated differently. Drawings, material certificates, batch records, test results, contracts and product traceability can be important evidence.
Claim Example Refrigeration Failure
A refrigeration system fails overnight and temperature sensitive raw materials and finished goods spoil. Machinery breakdown, deterioration of stock and interruption may require specific sections. Monitoring, alarm escalation, maintenance, temperature records, backup equipment, cause of failure, stock values and disposal evidence could affect how an insured loss is assessed.
Claim Example Factory Flood
Surface water enters a factory and damages electrical controls, machinery, packaging and raw materials stored near the floor. Property and stock sections may respond to accepted flood damage subject to terms. Site history, declared safeguards, flood excesses, stock storage, water mitigation, contamination and the time required to dry and recommission machinery may matter.
Claim Example Dispatch Stock Theft
Finished products are stolen from a loading area while awaiting collection. The response may depend on whether the goods were still factory stock, had entered transit or were in a haulier custody. Security, time, ownership, sale terms, evidence, maximum values and policy definitions can determine which section, if any, applies.
Claim Example Electrical Surge
An electrical surge damages computer controlled production equipment and corrupts settings. Property damage, machinery breakdown, electronic equipment and interruption sections may treat the event differently. Surge protection, cause, maintenance, backups, restoration, replacement parts, external utility evidence and gradual damage exclusions can be relevant to an accepted claim.
Claim Example Cyber Production Shutdown
A cyber incident disables online orders, production scheduling and access to control systems. Cyber insurance may support selected response, restoration, privacy and interruption costs subject to controls and waiting periods. Conventional property or liability insurance should not be assumed to cover the incident. Segmentation, backups, authentication and prompt specialist response can reduce disruption.
Information A Specialist Broker May Need
Prepare a full business description, products, processes, materials, machinery schedule and values, building construction and reinstatement value, stock peaks, turnover, payroll, shifts, employees, hot work, sprinklers, detection, security, extraction, maintenance, inspections, quality control, testing, destinations, imports, exports, online sales, vehicles, claims and business continuity arrangements. Disclose changes before cover begins and during the policy where required.
Risk Management And Business Continuity
Maintain machinery, inspect applicable plant, control hot work, separate pedestrians and vehicles, manage dust and fumes, secure hazardous materials, test fire systems, review stock storage, train workers, audit suppliers, retain batch records and protect computer systems. Continuity planning should identify alternative premises, outsourced production, key suppliers, replacement machinery, customer communications, data restoration and safe recovery priorities.
Specialist Review And Policy Comparison
Compare buildings, machinery, contents, stock, public, product and employers liability, professional advice where relevant, transit, vehicles, cyber, breakdown, pollution, terrorism and interruption. Review limits, excesses, exclusions, warranties, territorial scope, valuations, indemnity periods and dependencies. Cover always depends on insurer appetite, accurate business information, selected sections and the complete policy wording.
Request A Factory Insurance Referral
Quote Monkey can introduce you to a specialist broker experienced in arranging insurance for factory buildings machinery stock production liability and business interruption risks. Provide a complete and accurate description of the factory so the specialist can consider insurer appetite and available terms. Completing the form does not guarantee acceptance or a quotation.
Factory Insurance FAQs
What is Factory Insurance?▼
What can Factory Insurance cover?▼
Can factory buildings be insured?▼
Can rented factory premises be covered?▼
Does Factory Insurance cover machinery?▼
Is machinery breakdown automatically included?▼
Can raw materials and finished stock be insured?▼
Does a factory need Public Liability Insurance?▼
Does a factory need Employers Liability Insurance?▼
Does a manufacturer need Product Liability Insurance?▼
Can business interruption be included?▼
Can imported and exported products be covered?▼
Can factory vehicles and goods in transit be insured?▼
Can products sold online be covered?▼
Can stock stored away from the factory be insured?▼
Can fire and explosion risks be covered?▼
What information is needed for a Factory Insurance referral?▼
Can a new or expanding factory request a referral?▼
Similar Policy Types
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For factory administration areas, computers, records and office equipment.
Shop Insurance
For a factory showroom, retail outlet or customer trade counter.
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For installation, maintenance and industrial project contractors.
Tools In Van Insurance
For tools carried between the factory and customer sites.
Tools In Vans Overnight Insurance
For equipment that remains inside business vehicles overnight.
Tools In Garage Insurance
For tools stored in a garage away from production premises.
Personal Accident Insurance
Personal protection following eligible accidental injury and incapacity.
Haulage Insurance
For transporting raw materials, components and finished products.
Heavy Goods Vehicle Insurance
For heavy goods vehicles used in manufacturing logistics.
Commercial Trailer Insurance
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Plant Hire Insurance
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Equipment Hire Business Insurance
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