Appetite overview
We have a wide appetite for property owners with established commercial tenants which link with our other preferred sectors, such as:
- Offices and studios
- Shops and retail units
- Schools and colleges
- Purpose built student accommodation
- Sports and leisure venues
- Culture and events venues
- Clinics, laboratories and care homes
- Hotels and restaurants
- Warehouses and light industrial units.
Exclusive products
Exclusive products
In addition to our standard suite of products outlined below, we also have a range of bespoke covers designed for the commercial property owners’ sector which provides extensive cover for their commercial property portfolios, including:
- Insured property – to cover the buildings, as well as fixtures and fittings of common areas
- Loss of rental income – with the option to add cover for alternative accommodation for ancillary residential accommodation
- Property owners’ liability – with limits of up to £10m available.
We still offer our full suite of standard products to these customers as per below:
Professional Indemnity
Core appetite (Risks we love) : Estate and lettings agents and property managers
Broader appetite (Risks we like): Block management and fire safety services
Edge of appetite (Risks we would not normally write but will try and find a way): Surveys and valuations for lending
Cyber & Data
We can insure most business types in this sector.
Management Liability Portfolio
We can insure most business types in this sector.
Property & Casualty
Core appetite (Risks we love) : Property owners, Property management, Maintenance and servicing
Out of appetite (Risks we would not normally write but will try and find a way): Property developers
Other covers
Personal accident: if you hold casualty cover with us, personal accident cover can extend protection to your employees.
Terrorism: available to clients who buy any property cover.
Legal protection: available to clients who buy any other cover.
Related content
Related content
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Proposal Forms
Discover the proposal forms you need to get your clients covered with Hiscox.
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Appetite Guides
Here you will find one-page guides to our appetite across our commercial and high net worth, art & collections product lines.
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Hiscox Extranet
Hiscox Extranet is fully integrated with the Acturis system, so you can digitally trade with us across a range of commercial and high net worth, art & collections products.
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Commercial Insurance
Head to our commercial insurance hub, where you can find all the information you need to secure the right cover for your clients in a range of sectors.
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Consumer Duty
We're here to help with the heavy lifting, discover everything you need to know about the FCA’s Consumer Duty.
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Product Oversight & Fair Value Information
Read about our commitment to providing insurance products that will help to secure good outcomes for your clients.