Our Insurers
Manufacturing and wholesale businesses face risks that span premises, products, machinery, stock and supply chain. We structure commercial combined cover and specialist product liability for businesses that make, distribute and sell physical goods.
Manufacturing and wholesale cover needs to be structured around your specific processes, products and supply chain. We tailor programmes for businesses across a broad range of sectors.
Commercial combined cover for general manufacturers. Buildings, plant and machinery, stock, business interruption, product and public liability arranged with experienced commercial insurers.
Product liability, product recall and contamination cover for food producers. We understand the additional exposure of the food sector and access specialist markets with genuine appetite.
Product liability for pharmaceutical and medical device manufacturers. Including clinical trials liability, regulatory recall costs and the specific policy wordings required for medical product risks.
Warehousing, stock, goods in transit and product liability for wholesalers and distributors. We structure cover that follows the goods through your entire supply chain.
Specialist product liability for electronics and engineering manufacturers. Including cover for product design liability, electronic component failure and the downstream consequences of product defects.
Marine cargo, product liability and trade credit insurance for businesses importing and exporting goods. We work with specialist marine markets for international cargo cover.
Manufacturing and wholesale businesses typically need a commercial combined policy as their foundation, supplemented by specialist covers for products, supply chain and machinery.
The foundation policy for manufacturing businesses. Buildings, plant & machinery, stock, money, business interruption and liability in a single policy. We review sums insured carefully — underinsurance is endemic in this sector.
Covers your legal liability if a product you manufacture, supply or distribute causes injury, illness or property damage. Critical for any business selling physical products. Limits, territories and product categories need careful attention.
Covers the cost of recalling a defective or contaminated product from the market. Including withdrawal costs, disposal, replacement and business interruption. Separate from — and complementary to — product liability.
Covers sudden and accidental mechanical or electrical breakdown of plant and machinery. Including the cost of damage to the machine, emergency repair and consequential business interruption. Not included in standard commercial combined policies.
If fire, flood or machinery failure shuts your production, BI replaces lost revenue and covers fixed costs. For manufacturers, the indemnity period needs to reflect how long it would take to replace key plant and restart production — often 24–36 months minimum.
A legal requirement. Covers claims from employees injured at work. Manufacturing environments carry higher personal injury exposure than most sectors. We ensure your EL limit and policy wording adequately address your specific workplace risks.
Cover for stock and raw materials in transit — inbound from suppliers and outbound to customers. Including carrier liability limitations and situations where standard road haulier liability is inadequate.
For importers and exporters, marine cargo covers goods in sea freight, air freight and international multimodal transit. We arrange Institute Cargo Clauses (A) cover and advise on CIF and FOB risk transfer points.
Manufacturing operations rely on connected systems — ERP, SCADA, production control. Ransomware targeting industrial operations is a growing threat. We arrange cyber cover that addresses OT as well as IT systems.
Standard UK policies often exclude the US and Canada for product liability. If you export to North America or sell through platforms like Amazon.com, you need specific cover for those territories. US product liability claims can be many times larger than equivalent UK claims.
If you supply or distribute products manufactured by someone else, you can still face product liability claims — particularly if the original manufacturer can't be identified or is based outside the UK. Your policy needs to cover products supplied, not just products you manufacture.
Product recall and product liability are separate covers that work together. Liability pays for damage caused by a defective product. Recall covers the cost of getting the product back before it causes damage. Many manufacturers have one but not the other. We review both.
Large retailers, NHS supply chains and export customers often require minimum product liability limits — £5m, £10m or more. We review your customer contracts and ensure your policy satisfies them.
We review stock values, machinery schedules and business interruption calculations — the detail that prevents underinsurance claims disputes.
We access specialist product liability markets and understand the wording differences that matter — especially for export businesses and high-risk product categories.
Access to Hiscox, Markel, AXA, Zurich and specialist markets with genuine appetite for manufacturing risks — including high-risk product categories most insurers decline.
Manufacturing businesses change — new products, new machinery, new export markets. We proactively review your programme before renewal to ensure cover keeps pace with your business.
A food manufacturer discovered a contamination issue in a batch of products already distributed to retail customers. A product recall was initiated across 200+ stores. The product recall policy covered withdrawal and disposal costs (£85k), replacement product (£60k), customer notification and management costs (£35k) and consequential business interruption while production was halted (£160k). The subsequent product liability claim from two consumers reporting illness was handled under the product liability section, settled for £45k.
Tell us about your business and we'll come back with a competitive quote — usually within 24 hours. No automated responses, just a specialist broker who knows your sector.
Prefer to talk? Call 0208 909 2899 Mon–Fri 9am–6pm or drop us an email at info@foruminsurance.com