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.
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.
Risk Management Services
Our team of health and safety professionals visit businesses to provide guidance on what steps they need to take to reduce risks and comply with health and safety legislation. That way you can get on with what you do best - growing your business.
Risk Management Services are provided by NFU Mutual Risk Management Services Limited and are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.