Appetite guide/Commercial Combined
Broker appetite guideCommercial Combined
A flexible package for manufacturers, wholesalers and mixed commercial trades — every Commercial Combined submission is reviewed and priced by an underwriter.
Last reviewed 23/10/2026
Who it’s for
ManufacturersWholesalers & DistributorsFactories and WorkshopsWarehousesMixed Commercial Trades
Headline limits
Annual turnoverUp to £5,000,000
Employers’ liability£10,000,000 any one occurrence
What we’re happy to write
- Factories, warehouses and offices — material damage, business interruption and liability on one policy
- More than one premises — each premises is asked the full set of premises and security questions
- Flat felt roofs, including where the whole roof is flat felt — flat-roof terms apply
What we can’t write
Nothing is declined automatically on this product — every risk is reviewed by an underwriter.
Needs an underwriter to review
- !Every Commercial Combined quote — an underwriter reviews the risk and sets the terms
Have this information ready
- •A target premium, as accurately as you can — enter £0 if your client will not give one
- •A full business description, the risk address and postcode, and the renewal date
- •Floor area, year built, construction, roof type and condition, and the distance to any river or canal
- •Security and fire protection details for each premises
- •Claims for the last 5 years with the date, type and amount of each claim
This 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.