# Trades — appetite one-pager (/docs/general/trades/appetite)

---
type: Document
title: Trades — appetite one-pager
description: Trades occupation appetite summary.
status: stable
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  - id: fok-1
    resource: "Trades - Cover for the Trades (one-pager v1.1)"
generated: { by: "process:claude-code", at: 2026-09-21T12:56:20Z }
ksor:
  audience: [public]
  owner: human:vasimisap
  approval: { by: "human:vasimisap", at: 2026-09-21T12:56:20Z }
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---

## 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.