Insurance for home and furnishings makers.
Product liability that reflects fire-safety regulations on beds and mattresses, cover for foam and materials stock, and a broker who knows a candle maker and a mattress producer need very different policies.
Home & furnishings manufacturing insurance
Usually includes
Product liability
Employers’ liability
Premises & contents
Stock & raw materials
Plant & machinery
Business interruption
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.
Everything
quoted together.
The premises, your plant, your stock and your product liability, priced in one go rather than piece by piece.
Know your cover
What is home & furnishings manufacturing insurance?
Home furnishings covers a wide span. Beds and mattresses have specific fire-safety regulations, candles carry open-flame product risk, and ceramics involve kilns. Each carries its own distinct exposure.
Protects against your product
A fire-safety failure or a product that causes injury. That’s what product liability covers.
Protects your staff
Employers’ liability is required by law the moment you take on staff, whether workshop or production line.
Protects your materials and stock
Foam, timber, wax, clay and finished products awaiting dispatch.
Who it’s for
Whatever you make for the home.
✓
Bed manufacturers
Divans, frames and bed bases.
✓
Mattress manufacturers
Sprung, foam and hybrid mattress production.
✓
Candle makers
Wax candles, container candles and home fragrance.
✓
Ceramic & pottery makers
Tableware, decorative and studio ceramics.
✓
Picture frame makers
Framing, mouldings and mounted products.
✓
Trade & wholesale suppliers
Supplying retailers rather than selling direct.
What we cover
Cover built around what you make.
We get to know your materials and process first, then build the policy around it.
Product liability
A fire-safety failure or product injury. This is cover for what happens in a customer’s home.
Employers’ liability
Workshop machinery and kilns carry real injury risk, required by law with staff.
Premises & contents
Your workshop, studio or unit, and the fixtures inside it.
Stock & raw materials
Foam, timber, wax, clay and finished products.
Plant & machinery
Production equipment, kilns and finishing machinery.
Business interruption
Lost orders while production is stopped, not just the repair bill.
Legal expenses
Product disputes, supplier disagreements and the cost of defending a claim.
Goods in transit
Delivering finished products to retailers or customers.
Cyber & data
A compromised control system stopping production, and the traceability records you would have to rebuild.
Who this cover tends to suit.
This cover is generally bought by home and furnishings manufacturers. It brings together product liability, employers’ liability (where staff are used) and cover for premises, plant and stock. It won’t suit every business. If your risk profile is different, tell us and we’ll pick it up when we speak.
Worth knowing
Check the details before you choose.
Bed & mattress fire regulations
Furniture and furnishings fire safety rules apply directly.
Foam storage
Foam creates significant fire load in premises.
Kilns & open flame
Ceramic kilns and candle production carry fire risk.
Fragile goods in transit
Ceramics and glass framing are breakage-prone in delivery.
Every product has its own risks.
A foam mattress and a ceramic vase don’t carry the same risk, so we ask different questions for each.
Bed manufacturing
Mattress manufacturing
Divans
Bed frames
Candle making
Home fragrance
Ceramics
Pottery
Bed manufacturing
Mattress manufacturing
Divans
Bed frames
Candle making
Home fragrance
Ceramics
Pottery
Tableware
Picture frames
Mouldings
Soft furnishings
Cushions
Home accessories
Decorative products
Trade homeware supply
Tableware
Picture frames
Mouldings
Soft furnishings
Cushions
Home accessories
Decorative products
Trade homeware supply
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
Foam and fire regulations, before we quote
Fire regulations, foam risk, kiln exposure. We know what moves a furnishings maker’s premium.
02
Cover that reflects what you make
Mattresses and ceramics carry very different risk. We build around your actual product.
03
Product liability that fits your process
Materials, fire compliance, end use. All change the risk. We set it up properly.
04
We present the risk right
Fire protection, materials, distribution. How it’s framed changes what you pay.
You talk to a person. The machines do the typing.
Free review of your home & furnishings manufacturing cover and costs.
Told your product’s too niche to place easily? Not for us. Leave your details and we’ll call you straight back. One conversation covers the lot.
What the review covers
Furniture and furnishings fire safety rules apply directly to beds and mattresses, and sit on your product liability risk.
Foam storage creates significant fire load on the premises, and insurers ask about it before they quote.
We approach insurers on our panel who write home and furnishings manufacturing risks, and come back with what they’ll offer.
We explain each option in plain English, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away rather than leave you waiting.
No obligation to switch. You decide what fits.
Rather not wait? Call us on 0333 091 3663
Good to know
Home & furnishings questions, answered straight.
What insurance does a home furnishings manufacturer need?
Do fire safety regulations affect beds and mattresses?
Does storing foam affect my premises cover?
Do kilns affect my cover?
What if I make several different products?
Is my machinery covered if it breaks down?
How does exporting affect the cover?
What happens if I run more than one site?
What's product liability, and why does it matter so much for manufacturers?
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. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.