Public liability, stock and buildings cover built for manufacturers, wholesalers and warehouse operators of every kind.
Public liability, stock and buildings cover built for manufacturers, wholesalers and warehouse operators of every kind.
What kind of industrial or wholesale business do you run?
Stock & contentsSite visitorsBuildings cover
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Speak to a specialist 0330 027 0996
How can we help?
How can we help?
I know my business type
Find insurance built around your specific type of business.
I insure the building I trade from
Buildings cover can sit on the same policy as your stock, machinery and liability.
I’m not sure what I need
Tell us about your business and we’ll recommend the right cover.
Find insurance for your business
Find insurance for your business
Choose your business type below, or search above for something more specific.
Choose your business type below, or search above for something more specific.
Manufacturing & Production
Wholesale & Distribution
Which cover does your business need?
Which cover does your business need?
Only employers’ liability is a legal requirement. If you own your premises, buildings insurance is worth adding too.
Only employers’ liability is a legal requirement. If you own your premises, buildings insurance is worth adding too.
| Type of insurance | Legally required? | Who needs it? |
|---|---|---|
Yes, if you employ staff | Required once you take on any staff, even casual help | |
Not legally required | Strongly recommended if visitors or customers come on-site | |
Not legally required | Covers the structure if you own it or your lease makes you responsible, and can sit on the same policy | |
Stock insurance | No | Covers raw materials and finished goods against theft, fire or damage |
No | Covers fixtures, fittings and equipment at your premises | |
Goods in transit insurance | No | Covers goods while they’re being transported to customers or between sites |
No | Helps cover lost income if an insured event stops you trading | |
No | Recommended if you hold customer or supplier data |
Top Tip
Buildings cover can sit on the same policy as your stock, machinery and liability. You do not need to own the premises outright, and you do not need a separate property policy to insure them. If you rent, your landlord usually insures the building instead.
One site or a growing operation?
One site or a growing operation?
What you need changes as you grow. A single site needs different cover to a multi-site operation holding more stock and employing more people.
What you need changes as you grow. A single site needs different cover to a multi-site operation holding more stock and employing more people.
Starting Out
Just started trading? Public liability and stock cover are the essentials.
Single-Site Operation
Taken on your first employee? Employers’ liability becomes a legal requirement.
Growing Business
Adding a second site or more staff? Time to combine your covers.
Multi-Site Operation
Managing several sites or warehouses? Talk to an adviser about combined cover.
There’s no fixed price. It depends on your stock value, premises, staff numbers and whether you own or rent.
Value of stock and equipment
Higher-value stock or machinery increases your contents and stock cover.
Level of cover
Higher public liability or stock limits increase your premium.
Size of premises
Larger sites or warehouses can affect your contents cover needs.
Number of staff
More employees increase your employers’ liability exposure.
Whether you own or rent
Owning your premises adds buildings insurance to consider, under Property Insurance.
Claims history
A clean claims record helps keep premiums down at renewal.
What are you looking to protect?
What are you looking to protect?
What could help:Public Liability
Learn more
We help manufacturers, wholesalers and warehouse operators find the right combination of cover, not just the cheapest single policy.
The right cover depends on what you make, store or distribute, and whether you own your premises.
Specialist industrial insurersAccess to 20+ UK insurersExperienced UK-based advisersCover tailored to your specific businessSupport with complex or high-value coverHuman support when you claimHow the quote process works
How the quote process works
Simple steps. Expert advice on the cover your business actually needs.
Simple steps. Expert advice on the cover your business actually needs.
Tell us about your business
What you make, store or distribute.
Choose your covers
Public liability, stock and any extras.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Industrial insurance guides
Industrial insurance guides
Practical advice on cover, premises and staying protected.
Practical advice on cover, premises and staying protected.
From Equipment Failure to Employee Injury: The Case for Industrial Insurance
Industrial operations keep the UK economy moving. Plants and factories produce materials, components, and products that supply countless industries. But the pace of production brings constant risks. Machines can fail without warning, employees face injury in high-pressure environments, and downtime can quickly escalate into lost contracts.
Why Industrial Insurance Isn’t Just Property Cover: Key Risks to Consider
Many businesses think of industrial insurance as little more than protection for buildings and equipment. While property cover is essential, it is only one part of a much wider picture. Industrial risks extend to staff safety, supply chain stability, cyber threats, and liability claims. Ignoring these areas can leave dangerous gaps in protection.
Industrial Insurance 2025: Protecting Plants, People and Production
Factories, processing plants, and manufacturing sites face growing risks in 2025. Rising energy costs, complex machinery, and digital systems all increase exposure to loss. Add to this a shortage of skilled staff and supply chain pressures, and the need for strong protection has never been greater. This is where industrial insurance plays a vital role.
Industrial & wholesale insurance FAQs
Industrial & wholesale insurance FAQs
Straight answers on cover, premises and cost.
Straight answers on cover, premises and cost.
It’s a combination of covers built for manufacturers, wholesalers, warehouse operators and distributors: public liability for injury or damage, stock cover, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.
