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Manufacturers & Wholesalers Insurance

Protecting the backbone of industry – whether you manufacture products, distribute goods, or run large storage and logistics operations, your business faces complex, fast-moving risks. From machinery breakdowns to product liability and supply chain disruption, our tailored cover helps keep production steady, orders moving, and customers happy.

Why Businesses Trust Us

We build policies around real operations, not generic templates. That means aligning cover to your processes, your supply chain, and your risk controls. You get flexible terms that can scale with production, straightforward explanations without jargon, and access to advisors who understand manufacturing and wholesale from the shop floor to the loading bay.

Who This Cover Suits

This package works for product manufacturers, food and beverage producers, wholesalers and distributors, importers and exporters, engineering and fabrication workshops, and packaging manufacturers. Whether you operate from a single unit or manage a national network of sites and third-party logistics, we can design a cover that fits how you actually work.

How We Adapt

Two plants making the same product can face very different risks. We map your process flow, critical machinery, supplier dependencies, and customer obligations, then set limits and extensions accordingly. If you hold certifications or work to retailer or OEM standards, we reflect those requirements in your policy wording and documentation.

What Your Policy Can Include

A well-considered programme protects your sites, people, and products.

  • Commercial property insurance can cover buildings, warehouses, offices, and production areas against fire, flood, theft, and accidental damage.
  • Machinery and equipment cover responds to breakdowns and sudden damage to essential plant, tools, and control systems.
  • Stock and goods in transit can insure raw materials and finished goods on site or on the move by road, sea, or air.
  • Public and product liability helps with injury or property damage arising from your operations or products, while Employers’ Liability meets legal requirements when you have staff.
  • Business interruption can replace lost income and increased costs if a covered event halts production, and Cyber cover supports you after a data breach or cyberattack, including incident response and regulatory help.

Risk Management That Pays Off

Good controls reduce claims and downtime. We provide practical guidance on planned maintenance schedules, vibration and oil analysis, electrical testing, hot-works permits, fire protection and impairment procedures, leak detection, segregation of high-value stock, temperature monitoring for perishable goods, loading bay safety, and driver vetting. For product risk, we can help with batch control, traceability, supplier quality agreements, and recall planning.

Business Interruption Done Right

Getting the interruption section right is critical. We will help you calculate realistic maximum indemnity periods, consider bottleneck machinery, lead times for replacement plant, and alternative sourcing. We also look at customer contracts and penalty clauses, so increased cost of working and loss of gross profit are set at the right levels.

Claims Support

When something fails or a claim lands, speed and clarity matter. Our dedicated claims team coordinates engineers, adjusters, and recovery specialists, keeps you updated, and pushes for prompt authorisations. The aim is simple – shorten outages, protect customer relationships, and get production back on track.

Strengthen Your Cover

Tell us about your processes, key machinery, stock values, distribution routes, and any contractual or regulatory requirements. We will build a manufacturing and wholesale insurance programme that fits today, adapts as you scale, and gives you confidence in the cover behind your operation.

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01435 583 584

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01435 583584
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