Manufacturer and Wholesaler Insurance

Get help protecting the business you have created.

By working with many manufacturers and wholesalers across the UK, we have the knowledge and expertise to help you manage today's and tomorrow's risks.

Insurance overview

With our Manufacturing and Wholesaler Insurance policy, you can protect yourself, your employees, and your business assets.

Our policy includes standard covers suited to manufacturers and wholesalers, but it’s also flexible so you can choose optional covers to meet your business needs now and in the future.

What's included as standard:

  • Contents and Stock - cover against damage caused by common risks such as fire, flood, storm or escape of water. Includes customer's goods if you're responsible for them.
  • Money and Malicious Attack - loss or theft of money on your premises during business hours, and while being taken to the bank or in a safe on your premises overnight, up to £5,000.
  • Business Interruption - loss of income due to damage to property used by you at the premises, up to £3 million.
  • Goods in Transit - loss or damage to your property while in transit in your vehicles or with a third party carrier, up to £10,000.
  • Employers' Liability - damages arising from injury and illness to employees, including while working abroad for up to 60 consecutive days. We provide £10 million as standard but higher limits are available.
  • Environmental Liability - damages arising from injury to the public or damage to their property caused by pollution, including the cost of cleaning your own premises, up to £1 million.
  • Public and Product Liability - damages arising from injury to the public or damage to their property due to your business operation and product. Our normal cover is £2.5 million or you can choose higher limits.

Additional covers you can choose:

  • Buildings - cover against damage caused by common risks such as fire, flood, storm or escape of water.
  • Terrorism - protection against property damage and loss of income caused by acts of terrorism in England, Scotland or Wales.
  • Engineering Insurance - accidental damage or breakdown of machinery and plant.
  • Engineering Inspection Services provided by Vulcan Inspection Services - plant and equipment inspections and certification to prevent injury or business interruption, and to meet your regulatory obligations.
  • Deterioration of Stock - deterioration caused by temperature changes due to failure or damage of the refrigeration systems and accidental failure or emergency removal of public electricity, gas or water supplies.
  • Commercial Legal Expenses - the cost of legal representation to defend your legal rights, and any agreed compensation awards, up to £250,000.
  • Group Personal Accident - protecting yourself and employees aged 16 to 65 against the financial impact of death or disability following an accident or illness.
  • Business Travel - cover for you and your employees who travel abroad on business including access to a dedicated 24/7 helpline.
This is not an exhaustive list, more information can be found in the important documents section.

The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.

Why choose us?

Why choose us?

  • Local experts

    With a network of over 280 agency offices nationwide, we can get to know you and your business and tailor cover specifically to your needs.

    Local experts

    With a network of over 280 agency offices nationwide, we can get to know you and your business and tailor cover specifically to your needs.

  • Heritage

    With over 110 years of insurance knowledge and expertise, we know the industry inside and out.

    Heritage

    With over 110 years of insurance knowledge and expertise, we know the industry inside and out.

  • Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy. It's no wonder 9/10 business insurance customers renew with us year after year.

    Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy. It's no wonder 9/10 business insurance customers renew with us year after year.

Other business products

Commercial Insurance

Our Commercial Insurance is flexible to cover your businesses needs, suitable for larger businesses.

Commercial Vehicle Insurance

Vehicles can be important to your business - from pickups and vans to larger motor fleets, we're here to help keep you on the road.

Risk Management Services

Our experts can identify the dangers facing your business and offer one to one solutions personalised to your business.

What's next?

Take out a new policy

Ready to buy a Business Insurance policy? We can help you to make sure that you get the right cover.

Existing customers

Get a new quotation, make changes to, discuss your renewal or cancel your insurance policy.

Claims

Notify us of a new Business Insurance claim or speak to us about a claim that is in progress.