Factory and Manufacturing Insurance
Manufacturing is the one commercial property class where fire is still the defining risk, and where the machine that stops can cost more than the building that burned. Underwriters look hard at construction materials, hot works and process before they quote. We arrange programmes for food, engineering, plastics and light manufacturing sites.
Quick Quote
60 secondsBuilding, contents and fit-out combined. A ballpark is fine.
The company, trust or individual name on the title or lease.
No obligation. Subject to eligibility and underwriting.
What factories need covered
Fire, Hot Works and Dust
Welding, grinding, ovens, dust extraction and hot oil are all fire loads under one roof. Insurers assess your permit-to-work system, extraction and separation as closely as your sprinklers, and a documented hot works procedure genuinely changes the terms you are offered.
Sandwich Panel and Construction Materials
Expanded polystyrene panel is standard in food and cold-storage plants and a known accelerant in a fire, so insurers ask about it early and price, restrict or decline on the answer. Knowing what your walls are made of before we go to market decides which insurers we can even approach.
Machinery Breakdown and Lead Times
A production line that fails on its own is machinery breakdown, not property damage. On imported plant the replacement lead time can run to many months, so the section needs to sit alongside a business interruption period that reflects the real wait, not a nominal twelve months.
Business Interruption Sized to Rebuild Time
For a factory the indemnity period is the number that matters most. Demolition, approvals, a rebuild, plant delivery, commissioning and then winning customers back routinely exceed two years. Under-setting that period is the most expensive mistake we see in manufacturing.
Products Liability
What leaves your factory carries a liability that outlives the job. Products liability responds to injury or damage caused by goods you have manufactured after they are in someone else's hands, and it is priced on what you make and who you supply.
Deterioration of Stock
Where refrigeration or controlled conditions are part of the process, a breakdown or a power failure can spoil an entire run without touching the building. Deterioration of stock is the section that responds, and it needs to be elected, not assumed.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.
Reviews are for Stonewell Insurance, the business behind Commercial Property Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).
What insurance does a factory need?
Why do insurers ask about EPS or sandwich panel?
How long should factory business interruption cover run?
Does the policy cover machinery that breaks down on its own?
How much does factory insurance cost?
Ready to get factories covered?
Tell us about the property in about 60 seconds and we come back to you with options.
Commercial Property Cover is a trading name of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).