Risk Appetite Matrix

The Axis Risk Matrix lists some of the more common occupations that we underwrite. If you can’t find what you’re looking for, contact our team of underwriters for a tailored solution to your general insurance need.

*To discover our risk appetite, click the shortcut alphabet below or scroll down.

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A PROPERTY LIABILITY
Abattoir
Abrasives
Adult products/ sex shops
Agricultural equipment
Air Compressors
Alarm equipment – fire & burglary alarms
Aluminium goods NOC
Aluminium windows
Amusement equipment
Artificial flowers
Artificial jewellery
Asian restaurants
Auctioneers sale rooms
Auto mechanical workshops
Auto panel repair workshops – excluding safety critical parts
Auto retail tyres & fitting

 

B PROPERTY LIABILITY
Backpackers
Bacon & smoked meat – no processed meat
Bakeries
Bearings manufacturing
Bed and breakfast
Bedding and mattresses
Billiard/snooker rooms and amusement centres
Biscuits manufacturing
Blinds and awnings
Boarding Houses
Bolts, nuts, screws, nails
Bottle shops/ liquor stores retail
Bottles and glassware
Brass and copper products
Brewery
Broom, brush and mat makers
Building frames and roof trusses
Butchers wholesale

 

C PROPERTY LIABILITY
Cables coated and non coated
Cake manufacturing
Canvas goods manufacturing
Caravan manufacturing
Carpet factories
Cardboard product manufacturing
Carriers stores
Ceramics
Cereal and breakfast food manufacturing
Chemicals and flammable liquids < 23 deg celsius
Chemicals and flammable liquids >23 <62 deg celsius
China and crockery
Chocolate manufacturing
Clothing manufacturing and storage
Clothing factories
Coffee and tea manufacturing
Coffee roasting
Coffee shop with no or minor deep frying
Cold store operators
Computer hardware including minor servicing
Confectionery manufacturing
Control panels
Conveyor belts
Cordial and soft drink manufacturing
Cotton goods manufacturing
Courier and parcel depots
Curtain manufacturing

 

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D PROPERTY LIABILITY
Dairy products including cheese
Detergents
Disinfectants
Display homes
Distillery
Door and windows
Drapery and manchester
Dried fruit

 

E PROPERTY LIABILITY
Earthenware and terracotta
Edible oil processing or storage
Electrical equipment – heavy
Electro-plating works including galvanising
Engineering – metal NOC
EPS/ Foam panel construction

 

F PROPERTY LIABILITY
Farm produce and farm supplies stores
Fibreglass products
Fishmongers and seafood
Flexible hoses
Floor coverings
Food processing
Footwear
Frozen foods
Fruit and vegetable processing
Fruit juice
Furniture manufacturing

 

G PROPERTY LIABILITY
Garbage and recycling collectors including skip hire  
General engineering
Glassware

 

H PROPERTY LIABILITY
Hide and skin processing
Hotels wooden – 50% or more timber construction
Hotels/ pubs / tavern (mainly sales of Alcohol)
Hotels, 4 and 5 Star, Accommodation

 

I PROPERTY LIABILITY
Icecream
Importers NOC

 

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*If your occupation or industry doesn’t appear in the above list, please contact us to speak to an underwriter.

J PROPERTY LIABILITY
Jams, sauces and pickles
Japanese restaurants

 

K PROPERTY LIABILITY
Karaoke bars
Kitchenware
Knitwear and knitted garments

 

L PROPERTY LIABILITY
Leather goods
Leather shoe factories
Light fittings & components

 

M PROPERTY LIABILITY
Machinery – heavy – NOC
Margarine
Markets, festivals, fairs and short term events  
Mattresses and bedding manufacture
Mattresses and quilt factories
Meat boning and packing excluding contamination
Metal awnings and blinds
Motels
Motor Mechanics
Manufacturing NOC

 

N PROPERTY LIABILITY
Nightclubs and wine bars

 

P PROPERTY LIABILITY
Paint and varnish
Panel beaters
Paper bags and paper products
Pasta products
Pawn broker shops
Pet food manufacturing
Picture frames
Pillows and quilts
Pizza shops
Plastic bags
Plastic blow moulding
Plastic coating
Plastic factories – extrusion, injection moulding, blow moulding
Plastic factories – film blow moulding
Plastic film
Plastic laminating
Plumbing supplies
Plywood and veneer
Polystyrene foam
Polyurethane foam
Poultry processing
Powder coating
Powdered milk
Pre-fab timber frames and trusses
Printers – flammable inks
Printers – non flammable inks
Property Owners – Backpackers
Property Owners – Boarding/Guest Houses
Property Owners – Hotels and Taverns
Property Owners – Motels
Property Owners – Nightclubs and Bars
Property Owners – Reception/ Function Centres
Property Owners – Tattoo Parlours
Pumps and pump equipment

 

R PROPERTY LIABILITY
Reception/ Function Centres
Refrigerated storage
Restaurants with no or minor deep frying
Restaurants with deep frying
Retailers NOC
Rubber goods excluding Latex Gloves, Condoms

 

S PROPERTY LIABILITY
Safes
Saw mills
Service stations, fuel sales with or without convenience stores
Sheet metal goods
Shop fitters
Shopping Centres – Rated on rent revenue
Showrooms
Ski lodges
Smallgoods and sausages
Snack foods
Snowfield apartments and accommodation
Sporting complexes
Squash, indoor cricket and tennis centres
Solar panels and solar water heaters
Stock feed
Student accommodation
Supermarkets
Surfboards and surf skis
Switchboards and related equipment

 

T PROPERTY LIABILITY
Take away with no deep frying
Takeaway with deep frying
Tattoo Parlours – Property Owners only
Textile manufacturing
Timber and hardware wholesale and retail with no major timber cutting
Timber frames and trusses (pre-fab)
Timber processing – cutting and planing
Tools – non-power hand tools
Tools – powered hand tools
Tyre retail

 

U PROPERTY LIABILITY
Upholstery

 

V PROPERTY LIABILITY
Vacant commercial buildings  

 

W PROPERTY LIABILITY
Wadding / Upholstery Supplies
Waste paper processing  
Waste paper recycling  
Waste plastic recycling  
Waste textile recycling  
Wineries
Wooden blinds
Wooden box and crate
Woodworking with upholstery
Woodworking with no upholstery
Wool and yarn products
Wholesaling NOC