Manufacturing, Wholesale and Distributors

Whist the type of manufacturers or distributors is wide & varied, the principal protections required are very similar as the typical covers can be tailored to suit most occupations. 

A strong approach to risk management / health & safety is key.  We can provide comprehensive insurance packages at very competitive rates. 

Typical covers required by Manufacturers, Wholesalers & Distributors include:

Cover Available:

• Public & Products liability 
• Employers liability 
• Contents & Machinery 
• Engineering Insurance 
• Business Interruption Insurance
• Marine / Goods in Transit
• Legal Expenses  

Public Liability 
Public Liability insurance provides cover for damage or injury caused to a member of the public as a result of negligence on your part or on the part of  your employees / representatives 

Product liability
Businesses that manufacture, supply, deliver or sell goods, even in the form of services or repairs, may need cover against claims of faulty goods causing damage, injury or death . Products liability cover provides cover for your legal liability in respect of this type of claim

Employers Liability
Employers Liability provides cover for claims taken against you by an employee who is injured in connection with his occupation. 

Contents & Machinery 
Material Damage All Risks cover in respect of Contents & Machinery 

Engineering Insurance
In line with Health & Safety legislation, lifting equipment & pressurised equipment are deemed as “Statutory Items”.  This means that they must hold current inspection certificates by an independent qualified person. 

Cover for these inspections can be arranged with insurer & the cover can also be extended to include Sudden & Unforeseen Damage to the equipment itself. 

Business Interruption Insurance
This cover is designed to cover you loss of profits / income, following a loss at your premises (eg fire).  Many factors should be taken into account when calculating the correct sum insured, for example  if you have specialist machinery there may be a longer lead-in time to get replacements. 

Marine / Goods in Transit
This policy provides cover for your goods whilst in transit either to or from your premises.  The policy can also cover goods sent by post.  Whilst professional carriers do provide some cover, this is usually quite restrictive under their terms of trade. 

Legal Expenses  
This cover can be bought separately or it can be provided as part of a combined traders package.  This policy allows for defence costs in respect of legal proceedings.