Research & Development Insurance for Specialist Manufacturers, Innovators & Technologists

Someone once said, the secret of getting ahead is getting started.*

The specialist manufacturers, innovators and technologists have the ideas but will then need to transform them into commercial products that will turn a profit. The problem with these early stage businesses in research and development (R&D) is that they still are likely to have the liabilities and assets that require insurance but may not have the massive capital to fund the premiums.

With this in mind, we can offer R&D start-ups a low pre-priced solution to help them get off the ground. Provided that there are no commercial sales and less than 10 employees a package of the most essential insurance is provided. This includes:

  • Employers Liability (This is a compulsory insurance where there is more than one director or employees)
  • Public/Products liability
  • General contents
  • Computers
  • Stock
  • Portable equipment
  • Business interruption


Optional cover to include professional indemnity is available with limits ranging from £1M to £5M.

If start-ups are receiving external funding, other areas of insurance such as management liability and key person cover may be relevant.

For full details of the acceptance criteria and pricing, please contact Tony Gibbs on 0118 9165485.


The secret of getting ahead is getting started. The secret of getting started is breaking your complex overwhelming tasks into small manageable tasks, and starting on the first one.” – Mark Twain

Author: Tony Gibbs | May 4, 2020

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