You’re living in their house for a fortnight.
Commercial insurance for kitchen and bathroom installers of any size: a two-person fitting team, or a firm with a showroom and installers out every day.
Kitchen & bathroom installer insurance
Usually includes
Public liability
Employers’ liability
Premises & contents
Business interruption
Stock & display
Tools, plant & equipment
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 tools, the van, your liability and the work in progress, priced in one go rather than piece by piece.
Know your cover
What is kitchen & bathroom installer insurance?
Kitchen and bathroom work means multiple trades in one occupied house for days at a time, with water and electrics both involved. If you run a showroom there’s display stock on top, expensive, on show, and hard to replace quickly. It’s the same shape of risk whether you fit two a month or twenty. Cover for it comes as a commercial combined policy: property, liability and business interruption in one, with fleet alongside, sized to what you actually run.
Somebody’s home, for days
You’re working around people living there, with water and power off and on.
The showroom, if you have one
Display kitchens and bathrooms are expensive stock in a public space.
The days you can’t work
If the showroom or store is out of action, installs slip and enquiries stop.
Who it’s for
Whatever you install.
✓
Kitchen fitters
Fitting-only, working for retailers or direct.
✓
Bathroom installers
Full bathroom and wet room installation.
✓
Firms with a showroom
Display stock, retail premises and installation teams.
✓
Design & install businesses
Designing and fitting under one roof.
✓
Multi-trade installation teams
Plumbing, electrics and joinery in-house.
✓
Trade-supply installers
Fitting on behalf of merchants or retailers.
What we cover
Cover built around the way you work.
We get to know how you actually run before we build anything around it.
Public liability
Injury or damage arising from your work, in a customer’s home or in your showroom.
Employers’ liability
Legally required once you employ anyone, fitter or showroom staff.
Premises & contents
The showroom, unit or store you work out of, and everything in it.
Business interruption
If the showroom is out of action, enquiries and installs both stop. This covers the gap.
Stock & display
Units, appliances and display stock in the showroom, the store or the van.
Tools, plant & equipment
Power tools, fitting kit and equipment, in the van or on site.
Legal expenses
Contract disputes, employment matters and the cost of defending a claim.
Fleet
Vans on one fleet policy alongside the main cover.
Cyber & data
A payment diverted to someone posing as a subcontractor, and an attack on the office systems that hold your contracts and payroll.
Who this cover tends to suit.
This cover is generally bought by kitchen and bathroom installers at any size, from a two-person fitting team to a firm with a showroom and installers. Not every part will apply to every business, so tell us how you’re set up and we’ll show you what’s relevant rather than sell you cover you don’t need.
Worth knowing
Check the details before you choose.
Working in occupied homes
Days on site with people living there raises the chance of a claim.
Water and electrics
Both are involved, and both can cause damage after you’ve left.
Showroom display stock
A display kitchen is expensive and slow to replace.
Who does the wet and electrical work
Whether it’s in-house or subcontracted changes the picture.
Every install is different.
A fitting-only kitchen and a full design-and-install bathroom don’t carry the same risk. We ask different questions, and we’ll quote both.
Kitchen fitters
Bathroom installers
Kitchen showrooms
Bathroom showrooms
Wet rooms
Design & install
Worktop fitting
Appliance installation
Kitchen fitters
Bathroom installers
Kitchen showrooms
Bathroom showrooms
Wet rooms
Design & install
Worktop fitting
Appliance installation
Kitchen design
Bathroom design
Tiling
Multi-trade teams
Trade-supply fitting
Retail installation
Kitchen refurbishment
Bathroom refurbishment
Kitchen design
Bathroom design
Tiling
Multi-trade teams
Trade-supply fitting
Retail installation
Kitchen refurbishment
Bathroom refurbishment
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
The showroom counts too
A fitting-only team and a business with a showroom carry different property, stock and liability exposures, because a showroom brings customers onto your premises. We ask whether you have one before we approach anyone.
02
Cover for working in someone’s home
Days on site around a family is the exposure that matters most here.
03
Showroom stock covered properly
Display kitchens are expensive. We make sure the sums insured reflect that.
04
We present the risk right
Work mix, who does the wet trades and claims history all change what you pay.
You talk to a person. The machines do the typing.
Free review of your kitchen and bathroom installer cover and costs.
Cover spread across three or four policies? Leave your details and we’ll call you straight back. One conversation covers the lot.
What the review covers
Days on site in an occupied home raise the chance of a claim, and insurers look at how that’s managed.
A display kitchen or bathroom is expensive and slow to replace, so showroom stock is worth valuing properly.
We approach insurers on our panel who write kitchen and bathroom installer 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 & bathroom questions, answered straight.
What insurance does a kitchen or bathroom installer need?
Is my showroom display stock covered?
Am I covered for water damage after I've left?
Does it matter who does the plumbing and electrics?
Can my vans go on the same arrangement?
How is business interruption calculated?
Are my materials and stock covered, or just tools?
What does this cover if I lease my premises?
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.