People who are involved in the manufacture of Medical Devices, IT components, Furniture, Electronics or any manufacturing business will need to consider insurance to protect their business and themselves.  Not only stock and contents but also employees and members of the public.

Commercial combined insurance is offered in special package policies.  The basic package will include cover for:

Buildings, if you own your own premises.  The sums insured for buildings will be based on the rebuild cost.  This is usually calculated using a rate per square foot.
Fixtures & Fittings, this will cover the replacement of contents.
Stock (if applicable), this provide cover for your stock on a replacement cost basis
Money, cover in the even of theft or hold up.  This section will not cover theft by employees.
Business Interruption, in the event you are unable to trade due to an insured peril and you have loss of earnings, this is a fund that will cover the shortfall
Public Liability, covers your legal liability to third parties for injury occurring to them or damage to their property arising from the operation of your business.
Products liability, covers your legal liability to third parties for injury or damage to their property arising from defective goods or products supplied by you
Employers Liability, covers your legal liability to employees for injury, illness, disease or death occurring during the course of their employment.

You can also choose additional cover, including:

Glass & Signs, covers breakage of shop front glass or special signs
Goods-in-Transit, covers stock that may be damaged during transit.

The cover normally provided is on a material damage all risks basis, this includes Fire, lightening, Storm, Explosion, Theft, water leakage, accidental damage to name a few.

Contact Future Insurance today to speak to one of our specialist advisors who can advise you on the right insurance product for your manufacturing business.

Call us on 1890 549549 or email