Appetite guide/Commercial Excess Protection
Broker appetite guideCommercial Excess Protection
Pays back the policy excess your business client has to pay on a claim.
Last reviewed 23/10/2026
Who it’s for
Small and Medium-Sized BusinessesShops and RetailersOffices and Professional FirmsHospitality and Leisure Businesses
Headline limits
Excess covered£250, £500, £750 or £1,000
What we’re happy to write
- Excess levels of £250, £500, £750 or £1,000
What we can’t write
Nothing is declined automatically on this product — every risk is reviewed by an underwriter.
Needs an underwriter to review
- !Some risks need an underwriter to look at them before terms are released — the portal tells you straight away when that happens.
Have this information ready
- •The excess on the client’s main commercial policy
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.
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