Product Oversight & Governance

We have a comprehensive Product Oversight and Governance Policy in place to ensure our products deliver fair value and meet the needs of their intended audiences. Please click below to read the full policy.

This page provides both Target Market Statements and Fair Value Assessment Outcomes for each product.

The Target Market Statements help brokers identify the appropriate customer segment for each product, while the Fair Value Assessments outline what has been reviewed — including the core product, any add-ons, and overall pricing — along with the outcome of each evaluation.

All documents can be found below.

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This information is intended for insurance professionals only and not intended for distribution to the public.

SME Package

Business in the UK Food and Leisure sector including: Hotels, Cafés, Restaurants, Takeaways, Fish & Chip Shops, Retail, Pubs, Nightclubs and Bars.

Business in the UK Food and Leisure sector including: Hotels, Cafés, Restaurants, Takeaways, Fish & Chip Shops, Retail, Pubs, Nightclubs and Bars.

Petrol Stations

Designed for customers involved in the retail of petrol and other associated items.

Designed for customers involved in the retail of petrol and other associated items.

Hair & Beauty

Sports, Gyms and Social Clubs

Designed for sports, fitness, and social clubs of all types — including gyms, athletic clubs, community hubs, and membership-based venues.

Designed for sports, fitness, and social clubs of all types — including gyms, athletic clubs, community hubs, and membership-based venues.

Property Owners

Designed for clients with both commercial and residential portfolios of property.

Designed for clients with both commercial and residential portfolios of property.

Contractors Combined

Designed for contractors working from their own premises and at third party locations.

Designed for contractors working from their own premises and at third party locations.

Care Homes

Domiciliary Care

Professional Indemnity

Designed for clients that provide professional services, advice, or designs to their customers to reduce the risks associated with providing professional services.

Designed for clients that provide professional services, advice, or designs to their customers to reduce the risks associated with providing professional services.

Commercial Combined

Designed to enable customers to manage and reduce the risks associated with the management of the running of a UK commercial business.

Designed to enable customers to manage and reduce the risks associated with the management of the running of a UK commercial business.

Excess of Loss Liability

Designed to increase the public liability limit of indemnity providing additional cover beyond that offered by any primary insurance policy.

Home & Contents Plus

A retail product suitable for household owners of private homes within the UK. This is designed for people who are domiciled in the UK.

A retail product suitable for household owners of private homes within the UK. This is designed for people who are domiciled in the UK.

A retail product suitable for household owners of private homes within the UK. This is designed for people who are domiciled in the UK.

Contents Plus

A retail product suitable for household owners of private homes within the UK, who are looking to cover their personal contents.

A retail product suitable for household owners of private homes within the UK, who are looking to cover their personal contents.

A retail product suitable for household owners of private homes within the UK, who are looking to cover their personal contents.

Business Home

A retail product suitable for household owners of private homes who also carry out an element of business from the home.

A retail product suitable for household owners of private homes who also carry out an element of business from the home.

A retail product suitable for household owners of private homes who also carry out an element of business from the home.

Holiday Home/ Holiday Let

A retail product suitable for property owners and investors, limited companies and other incorporated organisations who own property from which they either occupy as a second home or commercially let for short stays.

A retail product suitable for property owners and investors, limited companies and other incorporated organisations who own property from which they either occupy as a second home or commercially let for short stays.

A retail product suitable for property owners and investors, limited companies and other incorporated organisations who own property from which they either occupy as a second home or commercially let for short stays.

Mid Net Worth (Non-Standard)

A retail product suitable for Mid Net Worth household owners or private tenants of private homes who may also have collections, jewellery, and fine art.

A retail product suitable for Mid Net Worth household owners or private tenants of private homes who may also have collections, jewellery, and fine art.

A retail product suitable for Mid Net Worth household owners or private tenants of private homes who may also have collections, jewellery, and fine art.

Sub Let Plus

A retail product suitable for tenants who sub-let their property either full term or on a short-term basis.

Residential Let

A retail product suitable for property owners who own property within the UK from which they earn a rental income.

A retail product suitable for property owners who own property within the UK from which they earn a rental income.

Unoccupied Residential

Unoccupied Commercial