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.
No obligation · Straight answers, in plain English
Tell us once.
Our team learns your business — not a 20-page form.
We do the legwork.
Your risk goes to the insurers on our panel who write cover for your trade.
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.
Specialists in your sector.
Hospitality, trades, accommodation and retail — we work these industries every day.
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
Specialist service, without the big-firm minimum.
Specialist.
We work your sector every day, so we know what questions matter to insurers who write it.
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.
Told you’re too small for proper service?
That’s exactly who we built Vara for. Leave your details and one of our team will be in touch.
Prefer to talk now? 0333 091 3663
VARA
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222.