Trades — appetite one-pager

Trades cover — appetite one-pager

This is a summary one-pager, not the full underwriting manual — treat as guidance, not a governing rule.

Low touch (no referral needed): up to 10 people in the business, up to £1m turnover, max height 20m and depth 3m, public liability limit of indemnity £1m–£5m.

Conversation / referral required: more than 25 people in the business, £5m turnover, height over 20m and depth over 3m depending on the nature of the risk, public liability limit of indemnity £10m.

Launching later this year: mini fleet, 1 to 25 vehicles, special types and gross vehicle weight up to 35t. Mini fleet professional indemnity: up to £1m comprehensive indemnity cover for creative and tech professionals.

Other covers referenced (limits unclear from the one-pager layout — check the source document): hired-in plant, own plant, contract works, tools & materials, legal expenses.