Business insurance, done properly.
One conversation with a broker who knows your trade. We’ll tell you what cover you need, and recommend the policy we’d put you on.
One
conversation.
You explain the business once, and we take it from there.
Bespoke service
for your business.
No two businesses are the same, so we start with yours rather than with a template.
We
recommend.
A named broker tells you which policy they’d put you on, and why, in writing.
What we cover
Cover options for your business.
We get to know your business first, then recommend the cover we think fits it, from our panel.
Public Liability
Injury or damage to others caused by your business.
Employers’ Liability
Required by law with staff — including casuals.
Property & Contents
The place — and everything in it you trade with.
Stock
Including fridge & freezer breakdown spoilage.
Business Interruption
The takings while you’re shut — not just the repairs.
Tools & Equipment
On site, in the workshop and in the van overnight.
Loss of Licence
If you pour, your licence is the business.
Cyber & Legal
Available as an addition to your policy.
All cover shown is subject to the policy terms, limits and excesses set by the insurer providing it. What applies to your business depends on the specific policy — we will confirm the detail, and set out the significant exclusions and excesses in writing, before you commit to anything.
Built around your sector.
Trades, hospitality, manufacturing, landlords and cyber
the questions we ask are different for each.
Restaurants & cafés
Pubs & wine bars
Food trucks
Builders
Electricians
Plumbers
Gardeners & landscapers
Cleaners
Restaurants & cafés
Pubs & wine bars
Food trucks
Builders
Electricians
Plumbers
Gardeners & landscapers
Cleaners
HVAC engineers
Solar installers
Hotels & B&Bs
Guest houses & short lets
Shops & retail
Gyms & fitness
Dance schools
Chemists
HVAC engineers
Solar installers
Hotels & B&Bs
Guest houses & short lets
Shops & retail
Gyms & fitness
Dance schools
Chemists
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
Prepared.
We ask the questions your sector's insurers rate on, before we go to market.
Fast.
Our technology does the re-keying and form-filling, so you’re not waiting on paperwork.
Human.
A named broker with a direct line, who advises you and owns the recommendation.
You talk to a person. The machines do the typing.
Free commercial insurance cover and cost review.
Whatever you run, and whatever’s covering it now. Leave your details and we’ll call you straight back.
What the review covers
We go through the cover you have now, so you can see what it does and doesn’t do for your business.
We ask about your trade and your business, and tell you where we think the gaps are.
We put you in front of insurers on our panel who write your trade, and recommend the policy we’d put you on.
We explain the recommendation in writing, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away.
The decision to buy is always yours.
Prefer to talk now? 0333 091 3663
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited, registered in England and Wales (company number 17256222), registered office 167-169 Great Portland Street, London W1W 5PF. Koral AI Operating Company Limited is an appointed representative of Innovative Risk Labs Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 609155).