Expanded capacity for unoccupied commercial property risks
Back to News 21 April 2026

Expanded capacity for unoccupied commercial property risks

We’re pleased to announce an expansion of insurer capacity for our Unoccupied Property proposition, with Hadron and Accelerant now supporting the product alongside Tokio Marine HCC.

This enhancement strengthens our ability to support brokers placing unoccupied risks, while maintaining the same high-quality cover and underwriting approach.

Following our February 2026 enhancements

In February, we enhanced our unoccupied property offering to make it easier for brokers to quote, while delivering improved rates and wider acceptance across unoccupied risks.

The product continues to offer the same comprehensive policy cover and tailored underwriting approach brokers are familiar with. The addition of Hadron and Accelerant increases our overall capacity and means we can now write risks up to £5 million.

This builds on our long-standing partnerships, having worked together across SME and commercial lines for a number of years, with their support for unoccupied property a natural extension of these relationships.

Increased capacity across a wide range of risks

This enhancement also increases our underwriting capability, enabling us to write larger and more varied risks.

We can now offer:

  • Up to £5 million for a broad range of commercial properties, including offices, retail units, warehouses, hotels, community centres and industrial premises, plus many more
  • Up to £2.5 million for leisure and hospitality risks, such as cafés, restaurants, pubs, sports clubs and social clubs

This wide range of acceptable property types gives brokers greater flexibility when placing unoccupied commercial property risks across multiple sectors.

Supporting brokers with greater flexibility

This development is designed to give brokers more choice and greater confidence when placing unoccupied risks.

By strengthening our insurer panel while keeping the product consistent, we’re making it easier to place business without changing the way you work.

If you’d like to find out more or discuss a risk, get in touch with the property team or get a quote here