Your Insurance Programme needs to consider every aspect of your business to include what you manufacture, what processes are involved, who you customers are, where your end product goes and how it is distributed.
Factories, warehouses and production lines can also be busy places and accidents can happen. You need to make sure that you have adequate liability insurance in place to deal with any incidents that could occur.
Your Insurance Programme needs to consider every aspect of your business to include what you manufacture, what processes are involved, who you customers are, where your end product goes and how it is distributed.
Factories, warehouses and production lines can also be busy places and accidents can happen. You need to make sure that you have adequate liability insurance in place to deal with any incidents that could occur.
Material Damage Insurance to cover your building, machinery, stock, contents, money etc.
Business Interruption Insurance is designed to protect your business against a financial loss suffered as the result of a property claim. Unlike buildings insurance, which only covers physical damage, business interruption insurance exists to cover the income that your business would have received had the incident not happened. This insurance can often mean the difference between a business surviving or ceasing to trade in the event of a major fire, flood or similar incident.
Public Liability – Public Liability should be seen as essential if you have customers or members of the public visit your premises. A manufacturing environment can be extremely hazardous, especially if the visitor is not trained or has little knowledge or understanding of their surroundings.
Product Liability – Manufacturers are often held accountable by law should a product that you make injure a customer or damage their property. Product liability insurance will cover you for legal costs and compensation from any such claims.
Product Recall Insurance is designed to protect you in the event of you needing to recall a product due to a manufacturing error, a product safety issue or for a whole host of other reasons.
Employers’ Liability This a requirement by UK law if you have anyone under your employment whether full time or casual volunteers. This will provide cover for you should an employee have an accident in the workplace or suffer an illness as a direct result of working for you. Liability claims can be costly and time consuming and are always a threat within manufacturing.
Goods in Transit
A goods in transit insurance policy is designed to protect your materials, goods or cargo if they lost, stolen or damaged in transit,
Marine Cargo
This Insurance gives you full cover for your goods in the event of a loss, whether transported by road, sea, air or rail.
Stock Throughput Insurance could be relevant to you if you need cover for moveable goods include raw materials , semi-finished and finished goods. Your goods are covered whether in transit, or in storage at owned or third party premises. A stock throughput policy can offer a seamless coverage of goods and more control of inventory risks throughout the entire supply chain.
Directors & Officers Liability covers the cost of compensation claims against the Directors and Key Managers (officers) of the business for alleged wrongful acts. One of the Key covers for manufacturing clients can be covering the cost of HSE Fees for Intervention. If the Health & Safety Executive (HSE) visit your site to investigate an accident or in an unannounced inspection and discover a violation of health & safety regulations an HSE Fees for Intervention (FFI) will be charged. When the material breach has been resolved the HSE inspector will provide a written report detailing the law that has been broken, the reasons for their opinion and the notification of the fee.
Motor Fleet Insurance is designed for your business if you need to insure multiple vehicles and want to ensure that they are all covered under one motor policy. The advantage of a fleet is a common renewal date for all of the vehicles and the flexibility of any driver cover. Insurers will also look to give discounts for well managed fleets that show a good attitude to Driver training and Risk Management.
Machinery breakdown insurance provides a security cover to the machines used by your business factories and industries. This insurance covers accidental breakdown and physical damage to the machinery and the cost of repairs or replacement of the damaged machine parts
Engineering Inspection service is used to make sure that equipment such as, lifts, boilers, etc are safe to use and inspected to the minimum legal requirements.
Commercial Legal Expenses is designed to help you get legal advice as soon as possible, hopefully to avoid the issue becoming too serious. However, should a serious legal problem occur, it will provide cover for legal representation if the matter needs to go to court.
Commercial Crime Insurance is there to cover you in the event of Fraud. All organisations are vulnerable to Fraud regardless of size. Fraud can take many forms – including the theft of cash, stock and other assets; forgery, embezzlement and computer crime – and can continue for many years, often discovered purely by chance. The financial impact on a business can be devastating, but what is often overlooked is the resulting threat to your business processes, how it erodes the integrity of your employees and tarnishes your reputation.
To discuss any aspect of your insurance requirements with us, please contact us and one of our dedicated Account Executives will be in touch to assist you further.
R.K. Henshall © 2026
R K Henshall is a trading name of Advisory Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority. Our Firm Reference number (FRN) is 313250. Registered office: 2 Minster Court, Mincing Lane, London, EC3R 7PD. Registered in England & Wales No.4043759.
R K Henshall are very proud to support Lupus UK. Lupus UK is a charity very close to our hearts. Unfortunately, Nita Davies who had been a stalwart of our company from it’s very beginning lost her battle against this terrible illness in 2013. Lupus UK is the only National Charity which supports people with the immune system illness. (Registered charity nos. 1051610, SC039682) Click here to read more about Lupus UK.
Tel: 01270 758070
Email: john@rkhenshall.com
John has 20 years of insurance broking experience. John has been awarded the Advanced Diploma in Insurance by the Chartered Institute and has achieved his Certificate in Financial Services.
John is particularly experienced in the arrangement of covers for construction customers and advises across all classes including speciality lines for clients.
John is a keen sportsman having played rugby at local level for both Penrith and Sandbach. He was captain of Sandbach squash club for many years and continues to play in the North West league.
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Tel: 01270 758097
Email: Allen@rkhenshall.com
Allen has over 15 years experience in commercial insurance having worked for a mixture of large and smaller insurers before moving in to an Insurance broking role. He is responsible for the RK Henshall online trading through the Hensure Brand and also has overall responsibility for a number of delegated Authority binders that operate within the Underwriting Agency. In his spare time he likes to play golf and is also the drummer in a covers band.
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Tel: 01270 758088
Email: angela@rkhenshall.com
Angela started her career in banking and investments. She transferred to the construction industry in 1994 where she qualified as an accountant and took on the role of Financial Controller. Angela joined RK Henshall in 2013 and is responsible for the financial management, HR and compliance functions of the business.
She is also an RAF Reservist and devotes much of her spare time to keeping fit.
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Direct Dial: 01270 296375
Email: joanne@rkhenshall.com
Jo has over 30 years of experience in the insurance industry, covering all aspects of commercial and property insurance, with a particular interest in the motor trade sector. She works closely with businesses to identify potential coverage gaps and ensure they have the right protection in place.
Jo is committed to building long-term relationships with her clients by focusing on tailored insurance solutions, keeping premiums competitive, and providing peace of mind – rather than taking an overly sales-focused approach.
Outside of R K Henshall, Jo enjoys spending time with her horse, and regularly competes in equestrian events. She is also a keen gym-goer and loves spending time with her family and walking her dog.
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Tel: 01270 758099
Email: phil@rkhenshall.com
Phil has nearly 30 years of broking experience, specialising in the Construction and Motor Trade Industry.
As Client Director, Phil works within the corporate business department managing a book of existing customers, introducing new clients and working with the relevant Account Executives, Senior Leadership teams and the Claims department to develop and retain existing high profile clients.
Outside of RK Henshall, Phil enjoys spending time with his son and is a keen cricketer. His true passion is Motorsport and Track days and follows the British Touring Cars all over the country.
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Tel: 01270 236160
Email: marky@rkhenshall.com
Mark has over 10 years’ experience in the insurance industry, working as both a Commercial Insurance Broker and Insurer Business Development Manager across several industry sectors, including Motor Fleet, Property, Liability and Claims Management.
Mark is passionate about building a strong working relationship with his clients, as he feels this is key to building trust on which he can give appropriate advice to his customers’ needs.
In his spare time, Mark is a keen golfer (typically during the warmer months of the year!) and likes to go to music gigs when he can.
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Tel: 01270 758061
Email: Lea@rkhenshall.com
Lea has over 25 years experience of placing and underwriting both commercial & personal lines insurance business, across a broad range of products. Areas of expertise include Manufacturing, Construction, Retail, Distribution and Warehousing, Liability and Professional Indemnity, Motor Trade and Motor Fleet Insurance. Having worked for both brokers and an Insurer, Lea has excellent industry & product knowledge.
Outside of R.K Henshall, Lea is a keen cricketer, loves spending time with his family and also holds a private pilot’s licence.
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Tel: 01270 296463
Email: melb@rkhenshall.com
Mel is our Broking Services Manager, joining the team in 2025. She is originally from Yorkshire and has 35 years of experience as an insurance broker.
For more than 10 years, Mel serviced over 150 fleet clients, before making the move into Commercial Insurance.
Outside of the office, Mel is a keen runner and likes spending time with her family.
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Tel: 01270 758062
Email: colin@rkhenshall.com
Colin has over 18 years insurance experience in both Commercial Broking and claims over a wide range of niches.
Colin is Cert CII and Cert CILA qualified which are industry recognised qualifications within the insurance claims and loss adjusting sectors enabling RK Henshall to competently manage and advise on all claims including property damage, liability and motor.
Outside of his working life, Colin enjoys playing Sunday League Football, Coaching for Hanley Town FC, playing golf and going to music gigs.
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Tel: 01270 758070 (Option 1)
Email: melanie@rkhenshall.com
Melanie started work at RK Henshall in 1992 as a trainee straight from school and has progressed to Personal lines team manager. She is responsible for the growth and development of all our “Insurance for You” products and her team of experienced advisors.
Outside of RK Henshall Melanie loves spending quality time with her children and keeping fit.
Melanie has recently completed her second London Marathon raising money for our company charity Lupus UK, a charity dear to our hearts here at RK Henshall.
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R K Henshall are delighted to once again support Kidsgrove Cricket club in their forthcoming season www.kidgsgrove.play-cricket.com
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R K Henshall are proud to once again support Milton United Football Club in their forthcoming season.
www.miltonunitedfc.co.uk
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Supporting Community Business do great work in the community, and have done since they were established in 1998. In 2019, RK Henshall nominated SCB for the Aviva Community Fund and we managed to obtain funding from Aviva to the value of £5,000, allowing SCB to replace their heating system. We have continued to build a great relationship with the charity in recent years.
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Community clubs like Elworth Cricket Club offer a safe, friendly environment to get involved in recreational sport at any age and socialise with friends. We are delighted to once again support Elworth CC in their forthcoming season.
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RK Henshall have been sponsors of Sandbach United since 2015, watching them develop into the fantastic family orientated club it is today. They were named FA National Grassroots Club of the Year winners in 2020.
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Several of the RK Henshall team have played for Sandbach Rugby Club over the years, including our Managing Director, John Henshall and current first team player Josh. We have been proud sponsors of the club for a number of years, building a fantastic relationship with the club, their members and the players, and we continue to sponsor and attend an annual match.
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