A chair you made gives way under a customer, who injures their back. The claim against you reaches £20,000.
Covered by Products Liability
Insurance for makers and manufacturers.
What one bad day in the workshop can cost.
The risks that come with making and selling goods, and the cover that pays.
A member of your team strains their back lifting a delivery of timber. Their claim comes to £14,000.
Covered by Employers' Liability
An electrical fault starts a fire overnight and ruins your machines and fabric stock. Replacing them costs £22,000.
Covered by Business Contents
Illustrative examples. Cover depends on the package and limits you choose.
Three steps. Most of it online.
Most quotes come back online in minutes. Some go to an underwriter for review first, and if yours does, we tell you.
- 1.
Get your price
A few quick questions and your quote's on screen.
- 2.
Buy and you're covered
Pay online and your cover goes live straight away.
- 3.
Manage it all in one place
Documents, claims and renewals, one simple dashboard.
Backed by
The insurers and partners behind your cover.
Cover built for making.
Once a product leaves the workshop, your name goes with it. The cover should too.
Your product carries your liability
If something you made causes an injury or damages someone's property, Products Liability answers the claim. Public Liability covers visitors, couriers and customers who come to you.
The workshop floor is where people get hurt
Machines, lifting, sharp tools. Employers' Liability is required by law once you employ anyone, and it pays when a member of staff is injured at work.
A customer who won't pay, a supplier who won't deliver
Legal Expenses pays the professional fees in a contract dispute or a debt you are chasing, with a legal advice line to call first.
The policies that matter most
The core modules for a workshop. Products Liability sits alongside Public Liability for the goods you make and sell.
Get a quote- Public LiabilityClaims from third parties — clients, the public, anyone who isn't your employee — for injury or property damage linked to your business.
- Employers' LiabilityRequired by law once you employ staff. Claims from employees who are injured or fall ill because of their work.
- Business ContentsYour business equipment, stock and contents — loss, theft, damage.
- Legal ExpensesLegal costs and expert advice when a dispute hits — employment claims, tax investigations, contract and debt recovery — plus a 24/7 legal advice line.
Who this covers.
Makers and manufacturers we cover. Search for yours when you start a quote, and we'll tell you if it needs review.
Clothing and textile makers
Making clothing, fabrics and textile goods to sell.
Furniture makers and cabinet makers
Making furniture, cabinets and fitted units in a workshop.
Jewellery makers
Designing and making jewellery by hand or in small batches.
Candle makers
Making candles and home fragrance products to sell.
Printers
Printing leaflets, brochures, stationery and marketing materials.
Screen printers and embroiderers
Printing and embroidering clothing, bags and merchandise.
Bakeries
Baking bread, cakes and pastries to sell.
Breweries
Brewing beer for pubs, shops and the public.
Distillers
Distilling gin, whisky and other spirits.
Chocolate and confectionery makers
Making chocolate, sweets and confectionery.
Precision engineers
Machining parts and components to exact tolerances.
Sheet metal workers and fabricators
Cutting, bending and fabricating metal to order.
Soap and toiletry makers
Making soaps, toiletries and bath products.
Toy makers
Making toys and games to sell.
Clothing and textile makers
Making clothing, fabrics and textile goods to sell.
Furniture makers and cabinet makers
Making furniture, cabinets and fitted units in a workshop.
Jewellery makers
Designing and making jewellery by hand or in small batches.
Candle makers
Making candles and home fragrance products to sell.
Printers
Printing leaflets, brochures, stationery and marketing materials.
Screen printers and embroiderers
Printing and embroidering clothing, bags and merchandise.
Bakeries
Baking bread, cakes and pastries to sell.
Breweries
Brewing beer for pubs, shops and the public.
Distillers
Distilling gin, whisky and other spirits.
Chocolate and confectionery makers
Making chocolate, sweets and confectionery.
Precision engineers
Machining parts and components to exact tolerances.
Sheet metal workers and fabricators
Cutting, bending and fabricating metal to order.
Soap and toiletry makers
Making soaps, toiletries and bath products.
Toy makers
Making toys and games to sell.
More than a policy
A dispute or a tax enquiry tends to land when you've least got time for it. Add Legal Expenses and you've got experts on the phone, and if you ever do need to claim, we get your notification straight to the specialist team appointed to handle it, and they take it from there, so a bad day doesn't derail the business.
Legal cover when disputes hit
- Employment & tribunal disputes
- HMRC tax & VAT enquiries
- Contract & debt recovery
- Crisis communications & PR
Experts on the phone
- 24/7 legal advice line
- Tax & VAT advice, weekday hours
- Confidential counselling, 24/7
Questions, answered.
Public Liability with Products Liability alongside it for the goods you sell, Employers' Liability once you have staff, and Business Contents for the machines and materials in the workshop.
You can be. If something you made injures someone or damages their property, the claim can come to you years later. Products Liability is there for exactly that.
Business Contents covers equipment, materials and finished stock at your premises against theft, fire and damage, up to the sums insured you choose.
Usually. Most makers' quotes come back online in minutes. Some go to an underwriter for review first, depending on what you make and the machinery you use, and if yours does, we tell you.
Your cover is arranged with Kovrilo, a UK MGA backed by Mission.
Yes. We're an Appointed Representative of Stubben Edge (Risk) Limited, regulated by the Financial Conduct Authority (FRN 943286).