Expanded capacity for non-standard household risks
Back to News 18 May 2026

Expanded capacity for non-standard household risks

We’re pleased to announce expanded capacity across our non-standard household products, with Hadron extending its support into our Home & Contents, Business Home and Mid Net Worth products.

This enhancement strengthens our ability to support brokers placing non-standard household risks, while maintaining the high-quality cover and underwriting approach brokers value from NBS. It also delivers improved rates, wider acceptance criteria and increased underwriting capability across all three products.

Increased capacity across Home & Contents, Business Home and Mid-Net Worth

The increased capacity further strengthens the stability, security and scalability of the scheme, while increasing our underwriting capability across all three products.

We can now offer:

  • Up to £2.5 million sums insured for Home & Contents and Business Home risks
  • Up to £5 million sums insured for Mid Net Worth risks

Our household proposition is designed to support a broad range of non-standard risks, including properties with non-standard construction, flood exposure, subsidence history, previous claims history and other adverse risk features. Access to Flood Re further strengthens the proposition, helping brokers place properties in higher flood risk areas.

Continued growth with Hadron

Hadron has provided capacity arrangements across our commercial and professional indemnity products since September 2024, with the relationship expanding last month to support our unoccupied commercial property proposition.

This latest development marks a further expansion into our personal lines offering, with additional widening planned in the coming months as we continue to grow the partnership across multiple product lines.

Supporting brokers with greater flexibility

This development is designed to give brokers greater flexibility and confidence when placing non-standard household risks.

By extending capacity while keeping the product and underwriting approach consistent, we’re making it easier for brokers to place more business across a wider range of household risks.

“The extension of capacity across our household proposition is an important step in the continued development of the scheme. It strengthens the stability of the product while also giving brokers access to broader acceptance criteria and more competitive solutions for non-standard risks.

As an MGA, building strong relationships with A-rated capacity providers is incredibly important to us, and this continued support reflects the consistency of our underwriting approach and the performance of the scheme. We’re proud to continue growing the proposition alongside insurers who share our commitment to the market.Steve Cowman, Managing Director

If you’d like to find out more or discuss a risk, get in touch with the household team via online chat or on 0333 032 5000 or get a quote here >