Appetite guide/Legal Expenses
Broker appetite guideLegal Expenses
Commercial and landlord legal protection — an optional add-on you can offer right across the book.
Last reviewed 23/10/2026
Who it’s for
Small and Medium-Sized BusinessesCommercial LandlordsResidential LandlordsLandlords of Houses in Multiple OccupationBusinesses with Commercial Vehicles
Headline limits
Commercial legal expensesTurnover up to £10,000,000
Landlord legal + rent guarantee£50,000 legal · £2,500 a month rent for 12 months
HMO rent guarantee£1,000 a month rent per tenant for 12 months
What we’re happy to write
- Commercial legal expenses for businesses with a turnover up to £10,000,000
- Commercial excess protection, and commercial motor vehicle excess protection
- Landlord home emergency, landlord excess protection, and landlord legal expenses for residential and commercial lets
- Landlord legal expenses with rent guarantee, including houses in multiple occupation (one policy per tenant)
What we can’t write
- ✕HMO rent guarantee where the rent is more than £1,000 a month per tenant
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
- •It is never compulsory — add it whenever it is right for the client
- •For commercial legal expenses: the annual turnover
- •For landlord covers: the number of properties or tenancies, and whether any are houses in multiple occupation
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.