Appetite
Bringing a new perspective
to insurance
Our territories
We write risks with locations in 50 countries across the globe.
Our main focus is on Europe, particularly the UK, Ireland, Netherlands and Spain.
We do, however, have the capability to write internationally, but don’t target critical catastrophe and don’t write any catastrophe risks in the USA.
Key
Core Appetite
Our main focus is on Europe, particularly the UK, Ireland, Netherlands and Spain. These are territories in which our lead product is available
In Appetite
We can offer cover for these territories on a follow-only basis.
Edge of Appetite
We can consider these territories as part of a wider portfolio, with restricted catastrophe cover (we don’t write any natural catastrophe covers in the USA or Caribbean).
Sanctioned Territories
Areas not covered.
Appetite
We specialise in underwriting difficult risks that other insurers avoid. Our expertise, flexibility and focus allow us to offer terms tailored specifically to each risk.
We aim to be the most convenient market for brokers, offering comprehensive solutions where other underwriters won’t.
We aim to be the most convenient market for brokers, offering comprehensive solutions where other underwriters won’t.
Exclusions include:
Mining, Offshore Energy, Subsea Cables, High Net Worth Contents, Cyber, CAR and EAR, Marine, Aviation, Life, Professional Indemnity, Insolvency and Financial Guarantee, War and Civil War, Motor, Treaties
- Abattoirs
- Asylum Seekers
- Biogas
- Biomass
- CCJs
- Composite Panels
- Emergency Housing
- Existing Structures
- Food Production
- Homeless Shelters
- Hotels
- Listed Buildings
- Mills
- Non-UK Domicile
- Previous Convictions
- Previous Insolvencies
- Pubs
- Religious Buildings
- Sawmills
- Textiles
- Thatch
- Tyre Warehouses
- Vacant Buildings
- Waste & Recycling
- Youth Hostels
Appetite guide
Review our risk appetite calculator below:
We take a flexible approach to underwriting and judge each risk on its own merits.



Claims
Dependable support when it matters most. Contact us to
report a claim or claim enquiry.



Request agency
If you are a (re)insurance broker with clients that fit our risk appetite, please reach out and request to open an agency with us.