Broker appetite guide
What we write, product by product — who it’s for, the headline limits, what we can’t write, and what an underwriter will want to review.
Last reviewed 23/10/2026
Property Owners
For landlords and owners of residential, commercial and mixed-use property — one property or a whole portfolio on one schedule.
Read the guideCommercial Combined
A flexible package for manufacturers, wholesalers and mixed commercial trades — every Commercial Combined submission is reviewed and priced by an underwriter.
Read the guideRetail Package
A complete package for shops and retailers — stock, contents, premises, money and liability on one policy.
Read the guideOffice & Surgery
For offices, surgeries, consultancies and professional premises — the building, contents, income and liability.
Read the guideLeisure & Hospitality
For pubs, restaurants, takeaways, hotels, guest houses and B&Bs — buildings, stock, income and public-facing liability.
Read the guideHair & Beauty
For salons, barbers, nail technicians, tanning salons and tattoo studios — premises, contents, income and the treatment risk.
Read the guideTradesman's Liability
Public and products liability for tradespeople, with employers’ liability when it is needed.
Read the guideRetailers Liability
Standalone liability for retail businesses — public and products liability, with employers’ liability when it is needed.
Read the guideLand Liability
Public liability for owners of land and open sites.
Read the guideSelf-Employed
Right-sized liability cover for sole traders and the self-employed.
Read the guideLegal Expenses
Commercial and landlord legal protection — an optional add-on you can offer right across the book.
Read the guideThis guide is a summary of our appetite and is not a statement of policy terms. Every risk is subject to underwriting and the policy wording.