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The industrial sector is vast. It is also varied, covering a whole host of different businesses. According to the UK government, these range from Aerospace to Tourism. It’s probably no wonder then that industrial insurance can be complex and, for many businesses, confusing.

What is Industrial Insurance?

Industry insurance is a single policy, or package of policies that protect business operations, providing cover if they cannot operate for any reason. For example, if equipment needs repairing or replacing due to damage. It also covers the company if staff or visitors are hurt, and they (the company) are negligent.  The difference is the level of risk businesses face and the impact on their operations if something goes wrong. It is essential, therefore, to specifically tailor industrial insurance to the sector.

What does industry insurance cover?

Industrial insurance covers businesses against accident and injury claims from members of the public (pubic liability) and employees if the company is negligent. Employer’s Liability Insurance is a legal requirement.

It also covers equipment and machinery. Equipment includes computers and telephone systems, anything that is needed to keep the back-end operations running. Machinery includes anything used to produce parts and products.

Another key area is the premises. Many industrial companies use factories to produce goods, warehouses to store them. Then there are their offices where administrative work takes place. The loss of any of these can have a significant impact on their ability to operate. Industry insurance covers them all.

Buying Industrial Insurance

To ensure full coverage, through either a single or combined policy, it is vital to speak to an insurance broker who understands the sector. Which is why you need to call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

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