Manufacturing Insurance
Manufacturer Insurance
built around your factory, not a tick-box form
Specialist cover for UK manufacturing businesses — placed with the insurer that actually fits your risk. 40+ years, 60+ insurer partners, direct access to Lloyd’s of London.
- 01One combined policy — buildings, stock, machinery, employers’, public & product liability, tailored to your factory.
- 02We approach 60+ insurers on your behalf, including Lloyd’s syndicates — not just the first to quote.
- 03Cover where others decline, including hot works, solvents, heavy machinery and specialist production risks.
- 04One named broker at quote, renewal, and claim. No call queues, no offshore handover.
Get a manufacturer quote
Same-day response from a real broker. No call centres, no sales pressure.
+ over 50 other UK insurer partners, negotiating on your behalf
Before you call, have these to hand
Helps us quote accurately first time. Nothing formal — rough figures are fine.
One combined policy, everything your factory needs
We build each policy around your specific operation, so you’re not paying for cover you don’t need — and you’re not exposed to gaps you do.
Buildings & premises
Factory buildings, fixtures, fittings, plus loss of rent cover if you’re leasing.
Stock & contents
Raw materials, finished goods, tools, machinery contents, and stock in transit.
Machinery breakdown
Sudden mechanical or electrical breakdown of production equipment, plus consequential loss.
Employers’ liability
Statutory UK minimum is £5m — we typically write cover to £10m to protect your workforce.
Public & product liability
Claims from visitors, contractors, the public — plus product liability if your goods cause harm.
Business interruption
Lost gross profit, increased cost of working, and wages during insured periods of closure.
We understand what you actually make
Every sector has its own risk profile — from flammables to heavy plant to product recall exposure. We place cover across all of them.
Comparison sites can’t place manufacturing risk
Online forms are built for generic risk. Factory insurance isn’t. Here’s what you actually get from a specialist broker.
Comparison sites & call centres
- Generic questionnaire that can’t capture your process risk
- Decline or refer anything with hot works, solvents or unusual machinery
- Different agent every call, no continuity at claim
- Policy chosen on price alone, not cover fit
- No access to specialist Lloyd’s of London syndicates
- You’re on your own at renewal and when something goes wrong
Thornhill Insurance Brokers
- Bespoke policy built around how your factory actually operates
- Place the hard risks others refuse — hot works, solvents, heavy plant
- Same named broker at quote, renewal, and claim — always
- We explain the trade-offs, not a single take-it-or-leave-it quote
- Direct access to Lloyd’s for the risks standard insurers won’t write
- Family-run since 1982 — we’re still here when you need us
If we can’t improve on your current cover or price, we’ll tell you straight. No sales pressure, no wasted time, no obligation.
Four steps to proper cover
No forms that dead-end. No unexplained loadings at renewal. No offshore handover at claim.
Understand
A short call to talk through your operation, staff, premises and any past claims.
Place
We approach the right insurers for your risk. If Lloyd’s is right, we go to Lloyd’s.
Review
We present options and explain the trade-offs, not a single take-it-or-leave-it quote.
Support
One named contact at renewal, mid-term, and in the event of a claim.
Relationships, not transactions
Real reviews from real clients on Google. We’ve been looking after UK businesses since 1982.
“The team at Thornhill Insurance Brokers has taken care of all my business insurance needs for the last seven years. They are true professionals who make insurance simple; I would highly recommend them.”
“Amazing service and support provided by Thornhill Insurance. Nothing is ever too much trouble. This is a very special company who actually do what they say they’re going to do! Although we’re not based in Wakefield we wouldn’t use anyone else.”
“Very good company who listen to customers’ needs and find quality sensibly priced solutions. I have absolutely no hesitation in recommending them.”
Ready for a manufacturer quote?
Things we’re often asked
How much does manufacturer insurance cost?
Honest answer: it depends entirely on your operation. A small metalwork unit with 3 staff and £200k turnover is a different conversation from a 40-person plastics factory with specialist machinery. Premiums are driven by turnover, wageroll, building value, process risk, and claims history. Our job is to find the best cover at the best price for your specific situation — and tell you straight if we can’t beat what you have.
How quickly can I get a quote?
Most of the time, we come back the same working day. Straightforward risks can be quoted within the hour. Complex manufacturing operations may take a day or two while we approach the right underwriters.
Are you independent?
Yes. We’re an independent, family-run broker with no ownership links to any insurer. We work with over 60 UK insurers and have direct access to Lloyd’s of London, so we approach the market on your behalf — not the other way round.
Why choose a broker over going direct or a comparison site?
Comparison sites are quick, but they can’t place complex commercial risk and won’t be on the phone when something actually happens. A broker fights your corner at renewal, at claim, and in between. For manufacturing operations with staff, machinery and stock on the line, that matters.
What if I’ve had a claim before?
A previous claim doesn’t mean you can’t get cover. It means we approach a different set of insurers, some of whom specialise in claims-experienced risks. We’ve placed policies for businesses other brokers had given up on.
Do you cover specialist risks like hot works, solvents or heavy machinery?
Yes. This is exactly the sort of risk generic online brokers decline. Our Lloyd’s of London access specifically exists for complex, specialist, or higher-hazard manufacturing operations.
What level of employers’ liability cover do I need?
The UK statutory minimum is £5 million, and it’s a legal requirement if you employ staff. We typically place cover at £10 million as standard — employers’ liability claims can exceed £5m quickly in industrial environments.
How does switching from my current broker work?
Straightforward. We time the new policy to start the day your current one ends — no gap in cover, no double-payment. We can usually handle the cancellation side too. Most clients switch at renewal with minimal admin on their end.
Company registration No. 08878096. Registered office: 334 Huddersfield Road, Mirfield, West Yorkshire, WF14 9DQ.