Manufacturers Combined

All the protection of Commercial Combined and more. This specialist wording allows you to provide bespoke cover for your Manufacturing clients.

Who is it for?

  • Risks that fall outside our eTraded package product range.
  • Significantly enhanced policy limits with optional uplifts
  • Warranty Free included
  • Shortened proposal or statement of fact basis
  • Embedded legal expenses & optional Fidelity Guarantee
  • Wider engineering wording including new Machinery


Material Damage

  • Third Party Storage Sites
  • Stock at Exhibitions
  • Loss of Rent
  • Public Authorities Clause extends to include additional costs for sprinklers to comply with LPC rules
  • Trade Samples anywhere in EEA – £500 any 1 item, £10,000 any 1 claim
  • Further investigation costs – £5,000
  • Loss Minimisation and Prevention expenses – £25,000
  • Fuel spillage and clean up costs – £25,000
  • Where a Non Ferrous Metals Declared value is provided, cover automatically included 25% uplift to cushion fluctuations in commodity prices

Business Interruption

  • Unspecified Suppliers
  • Unspecified Customers
  • Failure of Utilities Supply - £25,000 with a 3 month indemnity period
  • Cover automatically extends to include cover in respect of loss of patterns at premises not occupied by the Insured
  • Extended supply chain – £50,000

Employers Liability, Public Liability and Products Liability

  • Corporate Manslaughter

Public Liability and Products Liability

  • Financial Loss
  • Environmental Statutory Pollution Clean Up Costs
  • Legionellosis

Public Liability

  • Libel and Slander

Option for a Fixed Rate Agreement

  • Alcoholic and Soft Drinks
  • Audio/Visual
  • Builders Supplies
  • Clothing
  • Computer Equipment and Accessories
  • Double Glazing Manufacturers
  • Food Products
  • Electrical White and Brown Goods
  • Electro Mechanical Goods
  • Electronic Components
  • Electronic Engineers
  • Furniture (Wood and/or Metal)
  • Glass and Glassware
  • Hardware
  • Metal (Stainless Steel)
  • Metal Fabrication
  • Office Equipment
  • Plastics
  • Scientific Instruments
  • Woodwork

Manufacturers Combined Sales Aid

The following Policy Documents apply to policies incepted on or after 12th August 2016

Manufacturers Combined Key Facts

Manufacturers Combined Policy

Commercial Combined Proposal

Manufacturers Combined - Notice to Policyholders

The following Policy Documents apply to policies incepted or renewed prior to 12 August 2016.

Manufacturers Combined Key Facts

Manufacturers Combined Policy