Expert advice and tailored cover
Even if your needs are relatively straightforward, there are always risks associated with running a production line, the efficacy of your products after they leave your factory, the risk of theft and employee health and safety.
No matter what you manufacture, our specialists understand the risks that you are likely to face based on our many years of experience working in the industry. We understand that every manufacturing business is different and, depending on where you are based and where you distribute your goods, you will be subject to different laws and regulations. This is why we will work with you to bring together all of the policy features you legally require, along with those that would greatly benefit your business, in order to shape a policy that truly works for your business.
- Employers’ liability
- Product liability
- Public liability
- Cyber and data risk liability
- Tools & equipment
- Business interruption
- Goods in transit
- Premises insurance
At NC Insurance, we have helped manufacturers get the advice, cover and protection they need for over ninety years.
Our experienced brokers will carry out a review of your existing cover and risks, as well as providing access to specialist policy wordings and industry-specific cover so you can sleep easily in the knowledge your business is protected.
| What if I change my activities or grow in size? |
| As your activities and organisation grows and changes we will evaluate how this impacts your insurance and adjust your policy to meet your new needs. |
| I need cover in place to secure a contract – Do you provide proof of cover? |
| If you decide to purchase a policy with us we will issue your documents to you as soon as we receive them and can include policy certificates showing cover is in force upon your request. |
| Do I need public liability insurance? |
| Public liability is not a legal requirement however it is highly recommended if your organisation deals regularly with the public, clients or contractors. |
| Do I need employers’ liability insurance? |
| It is a legal requirement to have employers’ liability in place if your organisation has employees, volunteers or contractors who work for your organisation. There are a small number of businesses who are not legally obliged to hold an employers liability policy such as; family businesses, sole employee businesses & public organisations. |
| Worker Accident – One of your employees is injured as a result of their work. The employee decides to bring a claim against the organisation for the injury they suffered which if successful could cost the organisations tens of thousands of pounds. |
| Fortunately the organisation had employers’ liability insurance included within their manufacturing insurance policy, meaning that any legal or settlement fees resulting from the claim would be covered. |
| Cyber Liability – A firms email system became unexpectedly corrupted. |
| As the firm had comprehensive cyber liability they were covered for the cost of an IT investigation to confirm the cause of the corruption. Additionally the cyber liability covered the firm for damages paid to former customers after they also got infected by the email. |
| Directors Mistake – A companies sensitive customer data is accidently posted online due to an error by the directors. As a result both the ICO and the individual customers seek to claim compensation for the loss of sensitive data. |
| With D&O insurance in place the company will be covered for legal costs, fines and compensation as a result of the breach of the duty of trust. |
