Coverage against the machine

Breakdown cover can comprise as many as 11 different elements, which could could mean make or break for a business. Martin Ball makes a compelling argument for the comprehensive option

With Christmas not far away, this is often 'crunch' time for manufacturers.

No matter the product, it must comply with exacting safety standards, delivery expectations need to be met and then the wait for repeat orders to roll in.

Any firm operating machinery will undertake regular inspections, and employees will be protected by compulsory employers' liability cover.

But companies must also select the right level of insurance cover on a voluntary basis to ensure they continue to operate in the

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