Manufacturing / Warehouse / Distribution Insurance

If your business is making money from making things, you need the right manufacturing insurance policy. Supplying your own manufactured products to other businesses or consumers comes with risk. In an increasingly litigious world, it makes sense to take professional advice and get the right cover for your business.

What is manufacturing/warehouse insurance?

A well-designed manufacturing insurance policy should be built around your businesses individual needs. It should protect your business and its management from a range of potential claims, helping to ensure that the business can continue to trade when even the worst happens.

What’s included on a manufacturers/warehouse insurance policy?

Typically, a manufacturing/warehouse insurance policy will be made up of a number of ‘parts’ designed to protect specific areas of your business:

Liability covers (notably, manufacturing liability insurance).

Public liability is designed to protect you from claims coming from members of the public – for example if a customer slips over on a wet floor during a visit to your premises. Similarly, employer’s liability cover protects you from claims made by a member of your own staff, who may bring a case in the event of an accident.

Manufacturing liability insurance, often referred to as product liability insurance, is usually critical for a manufacturing business. You have a duty of care to ensure that the products you make are safe and meet statutory legal standards. Failure to do so could see you facing costly legal complaints.

Warehouse or factory building and contents insurance.

Naturally, your premises are the beating heart of your business. If you have a production line, it’s likely that you’ve had the building laid out in a certain way to accommodate your needs. You may have expensive computer equipment on site to assist with designs. All of this should be protected with a manufacturing insurance policy.

Stock and raw materials.

Whatever you manufacture, you’ll start with raw materials or stock supplies. It’s likely that stock levels will fluctuate – seasonality, customer demand, even currency fluctuations – are likely to affect your own purchasing patterns. You need to have the right value of cover in place without over paying for insurance you don’t need.

Manufacturers plant and machinery insurance.

You’re likely to be heavily reliant on your plant and machinery. It’s also likely to be costly to replace or repair. Plant and machinery insurance can cover the costs or repair or replacement of critical machinery.

Business continuity

What would happen if you suffered a warehouse fire, the theft of key stock, or a piece of machinery was out of action for a few days due to a breakdown? Outside of the cost of repair or replacement of the affected items, its likely you’ll be dealing with irritated customers who aren’t happy that their order is being delayed.

How much would it cost your business if you were having to pay staff, mortgage or rent and all of the other standard business overheads, but without any meaningful product being invoiced?

How long would your customers stay patient before seeking out an alternative supplier – and how easy would it be to get them back once they’ve switched.

These are the ‘hidden costs’ of business continuity that can be insured, helping you keep the business going while things get fixed.

Better premiums, better cover, and better customer service with our Warehouse / Distribution / Wholesalers Insurance

Understandably, warehouse insurance is often more expensive than insurance for an office suite, for example. In a situation which involves higher risks, finding the best deal is more important than ever, which is why Secure risk solutions is here to try and give you the best cover at the lowest premium.

Our specialist commercial property insurance brokers can accurately assess the risks and then use our relationships with many of the UK’s leading insurers to compare and find the best possible warehouse insurance deal. To us, it’s not only about squeezing out the lowest premium, but it’s also about providing ample cover for every eventuality, so in the unfortunate event of a claim, you know you’re in safe hands.

Secure risk solutions will also have support on hand throughout the life of the policy. We can be on your side to accompany assessors, liaise with loss adjusters and generally ensure that the insurance procedure is as easy as possible.

Our specialist Warehouse / Distribution / Wholesalers Insurance Policies

Cover all kinds of properties, including:

  • Factories
  • Logistics/transport
  • Storage
  • Industrial Units
  • Plus more

To obtain a quotation please click HERE.

If your profession is not listed here, just get in touch. It’s likely that we will be able to help you find the cover you need.

Get the cover your business needs

Call us on 01274 965791 and speak to our friendly advisors.

Testimonials Below is just small sample of our clients feedback on our services:

  • Secure Risk Solutions have provided a service for both our personal and business needs. With a wide range of products and services, and a highly knowledgeable workforce, they have the tools necessary to meet the needs of any customer. We are proud of our continuing business relationship with them, and look forward to many more years of working together. Kind regards,

    Atif Rulal Director, Ask Legal Solicitors Limited

  • Thank you for your assistance and expertise in helping us with our insurance. I appreciated your knowledge and ease in answering our questions and the expert advice we received from all of your staff.

    Dr Ajmal Prime Medicals Limited

  • It has been a pleasure dealing with the guys at Secure Risk Solutions, your professional expertise and knowledge was a major influence in my decision when I set up my new medical agency.

    Dr Khalid Arshad Global Medical Consultancy

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