Widened Acceptance Criteria: Now Considering Shared Premises Risks

We’re always looking for ways to help brokers write more business and say “yes” more often — and we’re pleased to share that our underwriting footprint has expanded.

Thanks to our consistently strong loss ratio and robust underwriting performance, we’ve widened our acceptance criteria to give brokers greater flexibility when placing business with us.

What’s New

Until now, our appetite was focused on self-contained businesses — one business per premises. But as the market evolves, so do we. We’re now open to considering a wider range of shared premises risks.

Here are just a few examples of the types of risks we can now consider:

• A separate takeaway business situated within a restaurant – as long as there is a connection between the business owners
• A shop within a larger store
• A café inside a shop
• A food outlet in a petrol station
• A coffee shop within a gym
• A café within a market
• A gift shop in a hotel
• And more — we’ll consider each case on its individual merits

Our Approach

Each submission will still be reviewed on its individual merits, but where there’s a clear operational link or complementary relationship between businesses, we’re happy to take a case-by-case approach.

This change reflects our commitment to flexibility, responsiveness, and broker support. With a wider footprint — and the same underwriting discipline — we continue to help brokers find smart solutions, even for risks that previously sat outside our scope.

Get in Touch

To discuss a risk, please use our online chat or call our underwriting team on 0333 032 5000.