Insurance for equipment and machinery makers.
Product liability that reflects machinery causing injury in someone else’s workplace, cover for heavy plant and components, and a broker who knows a ladder and a pressure vessel are different risks entirely.
Equipment, plant & machinery manufacturing insurance
Usually includes
Product liability
Employers’ liability
Premises & contents
Stock & raw materials
Plant & machinery
Business interruption
One
conversation.
You explain the business once, and we take it from there.
Bespoke service
for your business
No two businesses are the same, so we start with yours rather than with a template.
Everything
quoted together.
The premises, your plant, your stock and your product liability, priced in one go rather than piece by piece.
Know your cover
What is equipment & machinery manufacturing insurance?
Machinery you build ends up operating in someone else’s workplace, often with people working alongside it. That makes product risk particularly serious in this trade. A failure can cause significant injury long after the sale.
Protects against your product
Machinery that fails or causes injury in use. That’s what product liability covers.
Protects your staff
Employers’ liability is required by law the moment you take on staff, whether fabrication, assembly or the office.
Protects your materials and stock
Components, part-built units and finished machinery awaiting dispatch.
Who it’s for
Whatever machinery you build.
✓
Boiler & pressure vessel makers
Boilers, tanks and process vessels.
✓
Production machinery makers
Packaging, printing and process machinery.
✓
Materials handling makers
Conveyors, lifting and handling equipment.
✓
Heating equipment makers
Commercial and industrial heating plant.
✓
Access equipment makers
Ladders, platforms and access products.
✓
Shutter & door makers
Roller shutters and industrial door systems.
What we cover
Cover built around what you make.
We get to know your product and process first, then build the policy around it.
Product liability
Machinery that fails or injures someone in use. This is cover for what happens after it’s installed.
Employers’ liability
Fabrication, welding and assembly carry real injury risk, required by law with staff.
Premises & contents
Your factory, workshop or unit, and the fixtures inside it.
Stock & raw materials
Components, part-built units and finished machinery.
Plant & machinery
Welders, machine tools, lifting equipment and assembly plant.
Business interruption
Lost output while production is stopped, not just the repair bill.
Legal expenses
Product disputes, supplier disagreements and the cost of defending a claim.
Goods in transit
Moving heavy machinery to customers or installation sites.
Cyber & data
A compromised control system stopping production, and the traceability records you would have to rebuild.
Who this cover tends to suit.
This cover is generally bought by equipment and machinery manufacturers. It brings together product liability, employers’ liability (where staff are used) and cover for premises, plant and stock. It won’t suit every business. If your risk profile is different, tell us and we’ll pick it up when we speak.
Worth knowing
Check the details before you choose.
Machinery safety standards
CE/UKCA marking and machinery directives sit on your product risk.
Pressure equipment
Boilers and vessels carry specific regulatory and failure exposure.
Installation & commissioning
Whether you install and commission changes the risk considerably.
Servicing & maintenance
Ongoing service work carries liability beyond manufacture.
Every machine has its own risks.
A pressure vessel and a weighing machine don’t carry the same risk, so we ask different questions for each.
Boiler manufacturing
Pressure vessels
Storage tanks
Conveyor belts
Packaging machinery
Printing machines
Weighing machines
Plant manufacturing
Boiler manufacturing
Pressure vessels
Storage tanks
Conveyor belts
Packaging machinery
Printing machines
Weighing machines
Plant manufacturing
Heating equipment
Ladders
Access equipment
Roller shutters
Industrial doors
Materials handling
Machine assembly
Trade machinery supply
Heating equipment
Ladders
Access equipment
Roller shutters
Industrial doors
Materials handling
Machine assembly
Trade machinery supply
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
Installation risk changes the premium
Safety standards, installation risk, servicing. We know what moves a machinery maker’s premium.
02
Cover that reflects what you build
A ladder and a pressure vessel carry very different risk. We build around your actual product.
03
Product liability that fits your process
Safety compliance, commissioning, servicing. All change the risk. We set it up properly.
04
We present the risk right
Product type, end user, installation. How it’s framed changes what you pay.
You talk to a person. The machines do the typing.
Free review of your equipment, plant & machinery manufacturing cover and costs.
Told your product’s too niche to place easily? Not for us. Leave your details and we’ll call you straight back. One conversation covers the lot.
What the review covers
CE/UKCA marking and machinery directives sit directly on your product risk, and insurers ask about your compliance approach.
Boilers and pressure vessels carry specific regulatory and failure exposure beyond standard machinery risk.
We approach insurers on our panel who write equipment, plant and machinery manufacturing risks, and come back with what they’ll offer.
We explain each option in plain English, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away rather than leave you waiting.
No obligation to switch. You decide what fits.
Rather not wait? Call us on 0333 091 3663
Good to know
Equipment & machinery questions, answered straight.
What insurance does a machinery manufacturer actually need?
Do machinery safety standards affect my cover?
Am I covered if machinery I built injures someone?
Does installing or commissioning change my cover?
What if I also service machinery I've sold?
Is my machinery covered if it breaks down?
How does exporting affect the cover?
What happens if I run more than one site?
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.