Insurance for leisure and mobility makers.
Product liability that reflects products used by children, athletes and people with mobility needs where a failure means real injury, and a broker who takes that seriously.
Leisure, sport & mobility 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 leisure & mobility manufacturing insurance?
This trade shares one defining feature: the products carry people. Playground equipment, cycles, wheelchairs and sports goods all mean a product failure results in direct physical injury, which puts product liability front and centre.
Protects against your product
A structural failure that injures a user. That’s what product liability covers.
Protects your staff
Employers’ liability is required by law the moment you take on staff, whether fabrication, assembly or the office.
Protects your materials and stock
Components, frames and finished products awaiting dispatch.
Who it’s for
Whatever you build for people.
✓
Cycle manufacturers
Bicycles, e-bikes and cycle components.
✓
Playground equipment makers
Play structures, climbing frames and outdoor equipment.
✓
Wheelchair & mobility makers
Wheelchairs, mobility aids and access products.
✓
Sports goods manufacturers
Equipment, protective gear and sporting products.
✓
Tent & marquee makers
Tents, marquees and temporary structures.
✓
Trailer manufacturers
Road trailers and towed equipment.
What we cover
Cover built around what you make.
We get to know your product and who uses it first, then build the policy around it.
Product liability
A structural failure that injures a user. This is cover for what happens after the sale.
Employers’ liability
Fabrication, welding and assembly carry real injury risk, required by law with staff.
Premises & contents
Your workshop, factory or unit, and the fixtures inside it.
Stock & raw materials
Components, frames, fabric and finished products.
Plant & machinery
Welding, cutting, moulding and assembly equipment.
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
Moving finished products to retailers, distributors or sites.
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 leisure, sport and mobility 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.
Products used by children
Playground and children’s products carry heightened safety requirements.
Medical & mobility products
Wheelchairs and mobility aids carry specific regulatory standards.
Installation on site
Playground equipment installed on site adds separate exposure.
Structural load-bearing
Products that carry body weight carry serious failure risk.
Every product has its own risks.
A climbing frame and a wheelchair don’t carry the same risk, so we ask different questions for each.
Cycle manufacturing
E-bikes
Playground equipment
Climbing frames
Sports goods
Protective equipment
Wheelchairs
Mobility aids
Cycle manufacturing
E-bikes
Playground equipment
Climbing frames
Sports goods
Protective equipment
Wheelchairs
Mobility aids
Tents
Marquees
Trailers
Musical instruments
Outdoor equipment
Gym equipment
Play structures
Trade leisure supply
Tents
Marquees
Trailers
Musical instruments
Outdoor equipment
Gym equipment
Play structures
Trade leisure supply
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
Injury exposure changes the premium
Injury exposure, safety standards, installation. We know what moves this trade’s premium.
02
Cover that reflects who uses it
Products for children and mobility users carry heightened risk. We build around that reality.
03
Product liability that fits your process
Safety compliance, structural design, end user. All change the risk. We set it up properly.
04
We present the risk right
Product type, end user, installation. How it’s framed changes what you pay.
You talk to a person. The machines do the typing.
Free review of your leisure, sport & mobility 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
Playground and children’s products carry heightened safety requirements, and insurers look closely at them before they quote.
Wheelchairs and mobility aids carry specific regulatory standards that sit directly on your product liability risk.
We approach insurers on our panel who write leisure, sport and mobility 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
Leisure, sport & mobility questions, answered straight.
What insurance does a leisure or mobility manufacturer need?
Does making products for children change my cover?
Do mobility products carry different requirements?
Am I covered if a product I made causes injury?
Does installing playground equipment affect my cover?
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.