Call 0800 197 5515 (Mon-Fri 9am-5pm) Business Insurance

Our manufacturers product is aimed at various types of Manufacturers & Processors trading from commercial and residential premises including single premises and portfolios.

This commercial combined policy includes contents, stock, loss of income, public liability and legal expenses as standard with a wide range of optional extensions available to enable you to tailor cover according to your needs.

Optional extensions include buildings, loss of liquor licence, subsidence, theft by employees, specified all risks, computer breakdown, terrorism, employers liability and personal accident.  Liability cover can also be extended for work away from the premises.

Insured perils for buildings & contents

‘All risks’ cover is provided for your buildings (if applicable) and your contents & stock for the sums insured selected by you:-

Fire, explosion, lightning or earthquake, Storm or flood, Escape of water, Riot & civil commotion, Malicious damage, Impact, Leakage of oil from heating systems, Theft by forcible and violent entry/exit and Accidental damage

Key benefits include:

  • Cover includes accidental damage as standard
  • Combined package policy available for Buildings, Contents, Loss of income, Loss of liquor licence, Subsidence, Theft by employees, Specified all risks, Computer breakdown, Terrorism, Legal liabilities, Legal expenses and Personal accident
  • Extra benefits cover for Buildings includes damage to cables and underground pipes, Loss of rent, Sale of property insured and Trace and access
  • Extra benefits cover for Contents includes:
    • Additional contents
    • Glass breakage
    • Damage to property insured as exhibitions
    • Loss of freezer contents
    • Loss or damage to goods in transit
    • Damage to external blinds and signs
    • Damage to landscaped gardens
    • Loss of metered water
    • Loss of money
    • Damage to property insured where you are providing outside catering
    • Personal accident and assault following a robbery or hold up
    • Rent/lease payments as tenant if the premises is un-tenantable from damage by a peril insured
    • Temporary removal of contents and documents
    • Theft damage to buildings
    • Theft of keys

Standard covers includes:

  • Contents including:
    • Computers and electronic office equipment
    • Tenants improvements and interior decorations
    • Machinery, plant, fixtures and fittings and all other contents
    • Stock and goods in trust (excluding cigarettes, tobacco, wines and spirits)
    • Wines and spirits
    • Cigarettes and tobacco
    • Specified items
  • Public and products liability £2,000,000
  • Legal expenses

Optional cover includes:

  • Buildings including loss of rent
  • Loss of income
  • Subsidence, ground heave & landslip
  • Theft by employees
  • Specified all risks
  • Computer breakdown
  • Loss of liquor licence
  • Terrorism
  • Employers Liability £10,000,000
  • Public Liability up to £10,000,000
  • Personal Accident

Please contact our dedicated helpline 0800 197 5515 to discuss your requirements or complete the Request a Call Back form and one of our team will contact you.

The above cover and limits are based on our products only. In certain circumstances we may seek terms from alternative markets and we will set out our recommendations to you based on our assessment of your requirements.

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