A fire breaks out at one of your main warehouses requiring it to shut for several weeks. With no replacement stock arriving, part of your production schedule is delayed and your business loses income during the interruption.

Business Interruption Insurance is designed to cover reduction in gross profit and extra costs arising when insured damage to your premises, contents or a supplier's property interrupts your business activities.

After hot work is completed late in the day, hidden sparks ignite nearby materials and a fire starts overnight. The blaze damages your workshop fitout, stock, tools, patterns and moulds used in your normal production process.

Commercial Property insurance is designed to cover repair or replacement costs for insured premises, contents, stock, tools, patterns, moulds and related business property damaged by an insured event.

A steel bracket your business manufactured is fitted at a customer site. After installation, it fails unexpectedly and drops onto nearby equipment, damaging machinery and stock, and the customer brings a claim for the resulting loss.

Products liability insurance is designed to cover compensation and legal costs arising from bodily injury or property damage caused by a product you manufactured or supplied.

A customer visits your workshop to inspect a job. Near the fabrication area, they trip over steel offcuts left beside a workbench, fall heavily and suffer a fractured wrist, then make a claim for medical costs and lost income.

Public Liability insurance is designed to cover third party injury claims and defence costs arising from your business activities.