← Back to RFS homepage
Home › Industries › Cement & Concrete
Industry Practice · Heavy industry & manufacturing

Cement & Concrete

Insurance for cement manufacturers, RMC plants and concrete-products operators, kiln risk, plant breakdown, transit damage and silica exposure.

Kiln breakdown & refractory lossProcess fire & dust explosionSilica & respiratory exposure
Request a Sector Review → Speak to an Advisor
The sector

Continuous-process plants where the kiln is the single point of failure.

Cement plants run hot, continuously, with the kiln as the dominant capex item. RMC operations carry transit exposure on time-sensitive product. The workforce profile combines high-hazard plant operations with silica-exposure occupational health risk. The right programme treats each as a discrete underwriting submission rather than a generic 'cement plant' bucket.

Risk profile

Where the exposure lives.

Cement operations put plant, kilns, transit and public liability at the centre of the programme. We underwrite these four first.

01
Kiln breakdown & refractory loss
Kiln liner failure, motor breakdown or refractory collapse causes extended production loss. Replacement parts have long lead-times.
02
Process fire & dust explosion
Coal-fired kilns, raw-mill dust and electrical equipment combine for elevated fire and explosion exposure.
03
Silica & respiratory exposure
Long-tail occupational disease claims from silica dust under the EC Act and broader employee health schemes.
04
RMC transit and time-sensitivity
Concrete trucks on tight delivery windows, accidents en route can cause loss of the consignment and contractual penalties.
Recommended cover

The programme we typically place.

Each cover below is a link to the policy page. The combination, the limits and the wording are what we negotiate on your behalf.

01
Plant & Machinery
Machinery breakdown cover for kilns, mills, crushers, packers and conveyors with extended indemnity period.
Learn about this cover →
02
Fire & Burglary
IPP Fire policy with material damage and BI for the integrated plant.
Learn about this cover →
03
Workmen Compensation
EC Act cover with occupational-disease extension for silica and dust exposure.
Learn about this cover →
04
Commercial Vehicle
Fleet cover for RMC trucks, tippers and aggregate haulage vehicles.
Learn about this cover →
Claim reality

What a claim tends to look like here.

A common claim is kiln or mill breakdown that stops production, combining costly repairs with lost output, or a transit incident involving bulk carriers on the road. Dust and operations near the public can also generate liability claims.

Questions

Questions we get in this sector.

Commercial-vehicle cover for the fleet is arranged separately from the plant policy, with third-party liability and own-damage on each vehicle. We manage the fleet and the plant together for claims consistency.
Yes, through a machinery loss-of-profits extension on the breakdown cover. It responds to the output lost during repair, not just the repair cost. We set the indemnity period to the real relining or repair time.
Only if that location is declared. Batching plants, transit mixers and pumps often operate away from the main works, and a policy naming only the factory address leaves them outside it.
Workmen's compensation, public liability and motor cover for the fleet, frequently with the principal named. Larger infrastructure contracts add contractual liability requirements that a standard policy does not meet without amendment.
For most concrete operations, yes. Crushers, mixers and conveyors fail mechanically far more often than they burn, and a single failure stops despatch. The fire policy expressly excludes that failure.

Need a sector-specific risk review?

Speak with an advisor who has arranged cover for cement before.

Request an Assessment →