Appetite overview
Appetite overview
- We have a very broad appetite for UK retailers, such as those selling clothing, electrical goods or items for the home or garden (including shops as well as online retailers)
- Our full range of products is well suited to this sector with many of our customers buying multiple covers with us
- Our most commonly purchased products in this sector are property & casualty, with many customers also buying management liability portfolio, and cyber & data
Property & Casualty
Core appetite (Risks we love): Homeware, Do-It-Yourself (DIY) and garden retailers
Broader appetite (Risks we like): Sports, clothing and beauty retailers
Out of appetite (Risks we would not normally write but will try and find a way): Cycle stores and certain electrical retailers
Cyber & Data
We can insure most business types in this sector.
Management Liability Portfolio
We can insure most business types in this sector.
Professional Indemnity
Businesses in this sector will not always have a PI exposure and will therefore not often purchase this cover, however should there be a need for this cover we have a broad appetite for PI and should be able to accommodate.
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.