Manufacturing Insurance
Insurance that starts with understanding how you make things.
No two manufacturing businesses are quite the same.
The machinery you rely on, the materials you use, the products you make, the customers you supply and the consequences of something going wrong are unique to your business.
Cass-Stephens specialises in arranging insurance for manufacturers. We take the time to understand your operation properly before recommending cover — because good manufacturing insurance is about far more than insuring a building and some machinery.
We insure the business behind the product
A fire, flood or machinery breakdown can stop production. But for most manufacturers, the real financial loss doesn’t end with the physical damage.
How quickly could specialist machinery be replaced? Could production be moved elsewhere? How long would customers tolerate an interruption? What happens if a critical supplier fails? Could you still meet a contractual delivery date? And would your Business Interruption insurance respond for long enough?
These are the questions we ask.
We work with engineering companies, fabricators, plastics manufacturers, food producers, specialist product manufacturers and businesses operating highly automated production environments.
Our role is to understand your processes, identify the exposures that matter and build an insurance programme around them.
Manufacturing risks are interconnected
A serious manufacturing claim rarely affects just one insurance policy.
Damage to one critical machine can interrupt an entire production line. A defective component can create liability far beyond its own value. A fire at a key supplier can affect your turnover even though your own premises are untouched.
That is why we look at the whole business rather than individual policies in isolation.
Property & Machinery
Buildings, plant, production equipment, tooling, stock and machinery breakdown.
Business Interruption
Protecting profit and continuing costs while production is disrupted, with realistic indemnity periods and dependencies.
Products & Recall
Products liability, defective products, contractual exposures and product recall where appropriate.
Goods, Transit & Export
Raw materials and finished goods while moving through your supply chain in the UK and overseas.
People & Management
Employers’ liability, directors’ & officers’ liability, commercial legal expenses and motor fleet.
Cyber & Automation
Ransomware, systems failure and the increasing reliance of modern manufacturing businesses on connected technology.
We want to see the factory
Insurance for manufacturers is difficult to arrange properly from a proposal form.
Where possible, we want to understand the production process, see the machinery, discuss your critical dependencies and understand what would actually happen if part of the operation stopped.
That gives us a much stronger position when approaching insurers on your behalf — and helps uncover issues that can easily be missed when insurance is treated simply as an annual renewal exercise.
Independent advice. Specialist manufacturing knowledge.
As a Chartered Insurance Broker based in Gloucester, Cass-Stephens looks after manufacturing businesses across Gloucestershire and throughout the UK.
We have access to a wide range of insurers, specialist underwriting agencies and Lloyd’s markets. More importantly, we know how to present manufacturing risks properly and how to challenge an insurance programme when we believe something isn’t right.
Whether your renewal is approaching or you simply want a second opinion on your current arrangements, we would be happy to talk.
