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Commercial Insurance Appetite Guide
Commercial insurance appetite is the practical question behind many quotes: which risks are attractive to insurers, what evidence helps them quote quickly, and where a business needs a more specialist market. This guide maps common SME package and professional indemnity enquiries to the details insurers usually want to see.
Start a commercial insurance quoteHospitality And Food
- Pubs, bars, micro pubs, restaurants, cafes and dessert parlours
- Food hygiene rating, extraction cleaning, frying, refrigeration and late trading
- Stock, contents, public liability, employers' liability and business interruption
Salons And Accommodation
- Beauty salons, hairdressers, barbers, nail technicians, tanning salons, hotels, guest houses and B&Bs
- Treatment menus, staff qualifications, patch testing, guest numbers and food or bar service
- Property, liability, stock, equipment, treatment risk and interruption cover
Professional Indemnity
- Accountants, architects, engineers, design and construct firms, solicitors and insurance brokers
- Fee income, professional activities, contract requirements, claims history and required limits
- Primary PI, excess layers, retroactive cover, cyber and run-off considerations
Commercial Insurance Appetite Guide FAQs
What does insurance appetite mean?Insurance appetite describes the types of trade, profession, activity and risk profile an insurer is willing to consider, and what information they need before quoting.
Why does appetite matter before requesting a quote?A clear appetite match can reduce referral delays, improve quote quality and help the broker approach the right market first.
What information helps insurers quote SME package risks?Trade description, turnover split, staff numbers, premises details, stock and equipment values, opening hours, food or alcohol exposure, claims history and risk controls all help.