Factory insurance
Join over 900,000 customers who’ve chosen to insure with us. Find out more about factory insurance.
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
Why is factory insurance important?
From equipment breakdown and employee theft to public liability, accidents on factory premises can cost businesses hundreds of thousands of pounds. Slips, trips, and falls, as well as contact with equipment, are some of the most common causes of workplace injury, so a factory insurance policy gives you specific cover, with the option to add product liability, commercial legal expenses, and other popular protection.
- goods in transit and equipment breakdown – all covered up to your policy limit
- rated 4.7/5 based on 39K+ public liability customer reviews
- cyber liability insurance for claims against you, or an attack on your business
What does factory insurance cover?
Property damage insurance is often a priority for factories, built to protect against incidents which cause damage to insured buildings, or contents, fixtures and fittings. Many quotes will feature employers’ liability cover for staff, plus public liability insurance for third party injuries and property damage. From there, you can add specific cover for your factory, including business interruption insurance for an incident that stops operations.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
Factory insurance FAQ
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about factory insurance. You can also check out our business insurance FAQs.
If you provide other services, make sure you’re covered:
Other types of insurance
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions