Manufacturing Business Insurance

Industrial and manufacturing buildings are exposed to all kinds of risk, every single day. These are higher-risk environments where incidents such as fire, storm damage, or structural impact can all impact your tenants day-to-day operations. Whether significant repair costs or a disruption to rental income, protection through insurance is essential.

Manufacturing facility landlord insurance applies to factories, processing plants, workshops and industrial facilities leased to manufacturing tenants. The focus is always on protecting the building structure, landlord liability and rental income, reducing the stress should something unexpected happen.

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How Manufacturing Facility Insurance Supports You

Damage to a manufacturing facility interrupts tenancy and increases financial pressure for the landlord. Manufacturing facility landlord insurance protects against this, helping to minimise the impact of insured events.

  • Protects the building structure against insured damage such as fire, storm, or malicious acts
  • Provides landlord liability cover if injury or third-party damage occurs on the property
  • Supports rental income if the building becomes unusable after an insured event
  • Covers structural elements such as roofing, walls, foundations, and loading areas
  • Provides greater financial security for industrial property investors


Our Step-by-Step Application Process 

Arranging manufacturing facility landlord insurance involves assessing the property, understanding tenancy risks, and matching with cover that reflects building usage.

Step 1

Begin with an initial consultation to understand the manufacturing facility and landlord requirements.

Step 2

Assess property details such as building value, construction type, and tenant use.

Step 3

Conduct a risk assessment based on industrial property exposure.

Step 4

Compare quotes from insurers offering commercial property coverage.

Step 5

Select suitable coverage levels and optional extensions such as loss of rent or liability.

Step 6

Finalise the policy and arrange payment so cover is active.

Working with a broker streamlines the entire process. From comparing insurers, explaining policy differences, or ensuring the cover reflects the risks of your property, our support is always there for you.

Start Your Quote Today

Hear Directly From Manufacturing Businesses

Commercial property owners share how CGIB supported them with insurance during real events and claims.

Kristy Wetherell
I was new to this type of PI insurance and was lucky to come across CGIB. From my initial online requests, to arranging my coverage, communication was excellent and my insurance was organised easily, and competitively priced! Thank you!
kerry johnson
From getting a quote to being fully secured took , in real time, only a few hours. Aleisha was outstanding by keeping us informed at all times. So happy with the service and the end result. Thank you
Adam Smith
CGIB has been with me, since I started my business almost 10 years ago. Caroline is always prompt with replies to any queries I have. Very happy to recommend CGIB.
domenic sciacca
CGIB are outstanding insurance brokers. I've been dealing with them for 20+ years and have consistently had a positive experience. Their service is always prompt, professional and they are an absolute pleasure to deal with.
Neil Harris
Caroline & CGIB have looked after my insurances now for over 10 years, and have been great to deal with. Will continue to use their services.
Trevor Brown
The staff at CGIB were very helpful and achieved what I needed without fuss or delay. Excellent experience
Alexis Rivers
Caroline at CGIB Insurance is just great to deal with. She’s proactive, knows her stuff, and is always easy to reach.

She really takes the time to understand my business and makes sure everything is clear and properly covered. Feels more like having someone in your corner than dealing with insurance.

Super highly recommend.

Thanks agian =)
Steve Colakidis
I have used CGIB as my insurer for over 10 years and they have always been very professional and reliable.
Antonio Iannella
CGIB have facilitated insurance for our Owners Corp requirements for the last few years. Sarah has been professional, diligent, helpful and I highly recommend their services.
PINA SERNIO
Wouldn't go anywhere else! We have been in the building industry for over forty years and have used other companies to handle our insurances and it was a nightmare. CGIB has been responsive, efficient and pleasure to do business with. They have handled our claims in a speedy manner and stayed on top of things, sending ME friendly reminders to help me stay on top of things. We have been with them for what could be over 15 years and highly recommend them.

Extra Protection to Fit Your Needs

If you own the building your operation runs from, landlord commercial insurance is another layer of protection. It helps to protect the premises itself, while manufacturing insurance focuses on any of the day-to-day operations and output. A layered approach keeps your property and your business secure through changing conditions.

Building
Factory
Warehouse
Retail
Office

What Does Manufacturing Facility Insurance Cover?

Manufacturing facility landlord insurance supports property owners when insured events affect the building, its structure, or the income it generates. It typically includes:

  • Fire and smoke damage: Protection for the building structure if damaged by fire or related incidents.
  • Storm and water damage: Cover for structural damage caused by severe weather or sudden water-related events.
  • Vandalism and malicious damage: Protection against intentional damage to the property.
  • Glass and structural fixture damage: Cover for windows, external glass, and fixed building components.
  • Landlord liability: Protection if a visitor, contractor, or third party is injured on the premises.
  • Loss of rental income: Support if the building becomes uninhabitable due to an insured event and rent cannot be collected.
  • Accidental damage to the building: Cover for unexpected damage to structural elements.

Real-World Examples

  • Fire event: A fire damages part of a manufacturing facility, requiring structural repairs before tenants can return.
  • Storm damage: Severe weather impacts roofing and external walls, affecting occupancy.
  • Liability incident: A contractor is injured on-site and lodges a claim against the property owner.

What Typically Isn’t Covered

Manufacturing facility landlord insurance is designed to protect the building, so there are clear exclusions. This is the same as any other policy you take out, and having the correct understanding of inclusions helps you get more from it. 

Policies generally do not cover tenant-owned machinery, equipment, or production materials. Manufacturing equipment breakdown and operational risks are excluded, as they relate to the tenant’s business. General wear and tear, poor maintenance, and pre-existing structural issues are not covered. Intentional damage and events not listed as insured in the policy are also excluded, along with certain natural disasters unless specifically included.

Factors That Shape Your Policy Cost

The cost of manufacturing insurance isn’t one-size-fits-all. Premiums reflect the risk profile of the building and tenancy.

  • Size and replacement value of the industrial building
  • Construction materials and building age
  • Location and exposure to risks such as fire or flood
  • Type of tenant operations conducted within the building
  • Risk exposure linked to manufacturing activities
  • Security features and fire protection systems
  • Claims history
  • Coverage limits and optional extensions selected

CLOI manufacturing insurance brokers can explain how these factors affect pricing and assist you when requesting a manufacturing insurance quote. Compare your options, with a clearer understanding of all the expected premiums.

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Coverage Areas for Manufacturing Businesses

Manufacturing facility landlord insurance is available across Australia for industrial buildings in both metropolitan and regional areas. Cover can be arranged for factories, workshops, and processing plants in industrial zones or mixed-use areas.

Coverage terms and premiums may vary depending on state regulations, zoning, and environmental risks such as flood or storm exposure. A CLOI broker can guide you through these considerations.

Frequently Asked Questions

Factories, workshops, processing plants, and industrial buildings leased to manufacturing tenants should be insured to protect the structure and rental income.

Yes, loss of rental income is typically included or available as an option if the property becomes uninhabitable due to an insured event.

Costs depend on building value, construction type, location, tenant risk, and claims history.

No. Manufacturing facility landlord insurance protects the building and landlord risks, not tenant-owned machinery or production equipment.

Landlords report the incident, provide supporting documentation such as photos and repair estimates, and the insurer assesses the claim. A broker can assist throughout the process.

An annual review is recommended, or sooner if tenancy, building structure, or property value changes.

Keep Up To Date On News And Insights From The Blog

Providing you with great insurance products to protect what’s most important to you is a given. But we also believe in keeping you up to date with the day to day risks that businesses face. Check out our blog for the latest.

Introducing CLOI: Your Ultimate Commercial Landlord Owners Insurance
Know your Obligations as a Commercial Property Owner
The Importance of Good Business Practices and Professional Indemnity Insurance

Speak to a Broker Who Understands Manufacturing Risks

Owning a manufacturing facility comes with risks that affect both the building and your rental income. With the right protection on your side, these risks can be managed with confidence.

Partnering with a broker means access to tailored advice, multiple insurer options, and cover that reflects your property and tenancy. At CLOI, our team can help you arrange manufacturing facility landlord insurance suited to your needs.

Just complete the online form or contact us on 1300 764 244 for clear advice on arranging reliable cover.

Start Your Quote Chat With Our Team

Marine Cargo & transit Quote Forms

Who should use this form?

Professional carriers or transport operators responsible for customers’ goods in transit.

Who should not use this form

Businesses sending their own goods.

Quote Form

Who should use this form?

Businesses sending, importing, or exporting their own goods. Covers loss or damage during transit.

Who should not use this form?

Carriers transporting others’ goods.

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Quote Form

Who should use this form?

Businesses or individuals needing cover for a single shipment or occasional transit.

Who should not use this form?

Regularly sending goods—use the Annual Marine Cargo & Transit form.

Please note: We are unable to arrange insurance for one-off transits that involve carrying goods belonging to others please use the Annual Carriers Form

Who should use this form?

Existing policyholders renewing their annual Marine & Transit Insurance.

Who should not use this form?

New applicants or one-off shipments.

Renewal Form