Insurance for kitchen manufacturers.
Product liability that reflects whether you make domestic kitchens, commercial kitchen fit-outs or the equipment that goes in them, and a broker who understands the difference.
Kitchen 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 kitchen manufacturing insurance?
Kitchen manufacturing spans domestic kitchen units, commercial kitchen fit-outs and the equipment that goes inside them, each carries a genuinely different risk profile, from cabinetry product risk to commercial catering equipment liability. Cover is built around your specific part of the trade.
Protects against your product
Injury or damage caused by a kitchen unit or fitting you made, even after it’s left your premises. That’s what product liability covers.
Protects your staff
Employers’ liability is required by law the moment you take on staff, whether workshop, installation team or office.
Protects your materials and stock
Cabinetry, worktops, appliances and fittings waiting to ship, covered as stock and raw materials.
Who it’s for
Whatever kitchens you make.
✓
Domestic kitchen manufacturers
Fitted kitchen units and cabinetry for homes.
✓
Commercial kitchen manufacturers
Fit-outs for restaurants, hotels and catering premises.
✓
Kitchen equipment manufacturers
Ovens, hobs and commercial catering equipment.
✓
Worktop manufacturers
Stone, laminate or composite worktop production.
✓
Bespoke kitchen designers
One-off and made-to-order kitchen designs.
✓
Contract & trade suppliers
Supplying retailers, developers or hospitality venues at volume.
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 worktop that fails, a fitting that comes loose. This is cover for what happens after it leaves your workshop.
Employers’ liability
Workshop machinery and on-site installation both carry real injury risk, required by law the moment you take on staff.
Premises & contents
Your workshop, showroom or unit, and the fixtures inside it.
Stock & raw materials
Cabinetry, worktops and fittings, from delivery to installation.
Plant & machinery
Cutting equipment, spray booths and installation tools.
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 pieces to customers, retailers or trade buyers.
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 kitchen 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.
On-site installation
Fitting kitchens on customer premises carries its own liability considerations.
Gas & electrical connections
Where equipment connects to gas or electrics, that boundary matters for liability.
Export markets
Where your kitchens or equipment end up can change your liability exposure.
Bespoke & commission work
One-off kitchen designs carry different risk to standard production runs.
Every kitchen is different.
A domestic fitted kitchen and a commercial catering line don’t carry the same risk, so we ask different questions for each.
Domestic kitchens
Commercial kitchens
Kitchen cabinetry
Kitchen worktops
Catering equipment
Ovens & hobs
Kitchen installation
Bespoke kitchens
Domestic kitchens
Commercial kitchens
Kitchen cabinetry
Kitchen worktops
Catering equipment
Ovens & hobs
Kitchen installation
Bespoke kitchens
Restaurant fit-outs
Hotel kitchen fit-outs
Contract kitchens
Trade kitchen supply
Refrigeration equipment
Extraction equipment
Kitchen refurbishment
Kitchen design
Restaurant fit-outs
Hotel kitchen fit-outs
Contract kitchens
Trade kitchen supply
Refrigeration equipment
Extraction equipment
Kitchen refurbishment
Kitchen design
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
We ask about the fit-out, not just the unit
Fit-outs, cabinetry, equipment risk. We know what moves a kitchen manufacturer’s premium and what doesn’t.
02
Cover that reflects your part of the trade
Domestic cabinetry and commercial catering equipment carry different risk. We build the policy around what you actually make, not a generic kitchen template.
03
Product liability that fits your process
Installation, gas and electrical connections, materials used. How you make and fit it changes the risk. We set this up properly.
04
We present the risk right
Materials, export markets, production volume. How it’s presented to insurers changes what you pay. We know how to frame it.
You talk to a person. The machines do the typing.
Free review of your kitchen 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
Fitting kitchens on customer premises carries its own liability considerations, separate to what happens on your own site.
Where your product connects to gas or electrics, that boundary matters for where liability sits, and insurers ask about it.
We approach insurers on our panel who write kitchen 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
Kitchen manufacturing questions, answered straight.
What insurance does a kitchen manufacturer actually need?
Does it matter whether I make domestic or commercial kitchens?
Am I covered if a kitchen or piece of equipment I made causes an injury?
Does on-site installation affect my cover?
What if I make kitchens and also supply equipment?
Is my machinery covered if it breaks down?
How does exporting affect the cover?
What happens if I run more than one site?
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.