Manufacturing and Distribution Insurance

Find the right insurance solution for your business, no matter the nature of your supply chain and the territories you operate in.

Get a quote 01372 724747

For most businesses working in the manufacturing and distribution sector, insurance is as complex as the modern, international supply chain. Your cover must respond to local market risks and regulations wherever you operate, as well as the nature of the products you’re involved with. Navigating those complexities means working with a specialist - a broker that understands your risks and can access the covers you need to defend against them. At Stonebridge, we have a long track record of working with manufacturing and distribution firms - and we’re currently the appointed broker to the Baby Products Association.

Standard Covers

  • Public liability.

     

  • Products liability.

     

  • Employers liability.

     

  • Property damage.

     

  • Goods in transit.

     

  • Stock.

     

  • Cargo.

     

  • Business interruption.

  • Terrorism.

  • Engineering inspection.

  • Legal expenses.

  • Pollution.

Optional Covers

  • Motor fleet.

     

     

  • Management liability.

     

  • First and third party cyber and crime.

     

  • Protections and employee benefits.

  • Marine cargo.

  • Warehouse keepers.

  • Product recall.

  • Deterioration of stock.

  • Machinery breakdown.

  • Manufacturer errors and omissions.

The Expert Support You Need

At Stonebridge, we have a long track record of working with manufacturing and distribution firms - and we’re currently the appointed broker to the Baby Products Association.

We’re experienced in navigating supply chain risks and insurance need, ands we have the market relationships required to find tailored, cost effective insurance solutions. That includes clients with risk exposures including importing from outside the EU, those manufacturing and distributing automotive parts, safety critical equipment and ammunition, as well as those with significant public liability exposures.

We’ll work with you to understand your risks, then draw on our import/export expertise and access to insurers offering excellent USA and Asia coverage to find you tailored, affordable cover. In addition, through our relationship with Marsh, a global leader in insurance broking and risk management, we can offer access to enhanced policy wordings that may not be available from our competitors.

Get a quote 01372 724747

Manufacturing and Distribution Insurance from Stonebridge: Who is it for?

As an established manufacturing and distribution insurance specialist, we’ve worked with a wide range of businesses in the sector over the years, helping to secure covers ranging from marine and cargo to products liability. The firms we’ve helped to arrange insurance have included precision engineers, toy manufacturers, baby product makers and automotive parts businesses.

Related FAQs

See all FAQs

How much cover would be needed for keyman insurance?

This would depend on your specific business needs which we would discuss together. This could be a multiple of profits, a multiple of salary or turnover. Your accountant would be able to provide this information to you.

How do I know how much shareholder cover is needed?

We recommend you speak to your accountant who will help to establish the value of the business. The amount of cover should equal the market value of each owner’s share of the business.

What is keyman insurance?

It is a life insurance where critical illness cover can also be included to protect your business against the loss of profit should a key employee pass away or be diagnosed with a critical illness. You can also protect against the loss of a key employee to protect a debt, and it could also help towards the costs of employing and training new personnel.

Who could be classed as a key employee?

Key employees can be regarded as individuals whose knowledge, skills, experience, key relationships or leadership are very important to a business’ future financial success. These can be a senior manager, top sales person, technical specialist, business founder.

What is shareholder protection?

Shareholder protection is a life or life and critical illness policy that will pay out a lump sum that the remaining shareholders use to purchase the deceased shareholders shares from their estate.

Who should consider a relevant life policy?

Directors could take out the cover to provide a ‘death in service’ benefit, without having to take out a scheme to cover all employees. It helps to retain employees and ensure should the worst happen, their loved ones are financially cared for.

What is a relevant life policy?

It is a term assurance available for employers to provide employees with a ‘death in service’ benefit. It provides a lump sum payment on death and there can be many tax advantages to both the employer and employee for this type of policy.

What are the benefits of a relevant life policy?

No National Insurance contributions on premiums and corporate tax relief for the business itself. For their employee there will be no National Insurance contributions on premiums or benefits. The benefits are not taxed as a benefit in kind and importantly the benefits do not count towards annual or lifetime allowances tax benefits.

Who can take out a relevant life policy?

UK resident businesses. These businesses can be a limited companies, a limited liability partnership or sole trader. Company directors can take out cover with the limited company paying for this.

How much does keyman cover cost?

The cost would be dependent on the amount and term of the cover, age, smoking status. Please contact us for a personalised quote.

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