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.
| A |
PROPERTY |
LIABILITY |
|
| Abattoir |
|
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| Abrasives |
|
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| Adult products/ sex shops |
|
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| Agricultural equipment |
|
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| Air Compressors |
|
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| Alarm equipment – fire & burglary alarms |
|
|
| Aluminium goods NOC |
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| Aluminium windows |
|
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| Amusement equipment |
|
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| Artificial flowers |
|
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| Artificial jewellery |
|
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| Asian restaurants |
|
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| Auctioneers sale rooms |
|
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| Auto mechanical workshops |
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| Auto panel repair workshops – excluding safety critical parts |
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| Auto retail tyres & fitting |
|
|
| B |
PROPERTY |
LIABILITY |
|
| Backpackers |
|
|
| Bacon & smoked meat – no processed meat |
|
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| Bakeries |
|
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| Bearings manufacturing |
|
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| Bed and breakfast |
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| Bedding and mattresses |
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| Billiard/snooker rooms and amusement centres |
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| Biscuits manufacturing |
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| Blinds and awnings |
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| Boarding Houses |
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| Bolts, nuts, screws, nails |
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| Bottle shops/ liquor stores retail |
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| Bottles and glassware |
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| Brass and copper products |
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| Brewery |
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| Broom, brush and mat makers |
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| Building frames and roof trusses |
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| Butchers wholesale |
|
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| C |
PROPERTY |
LIABILITY |
|
| Cables coated and non coated |
|
|
| Cake manufacturing |
|
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| Canvas goods manufacturing |
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| Caravan manufacturing |
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| Carpet factories |
|
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| Cardboard product manufacturing |
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| Carriers stores |
|
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| Ceramics |
|
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| Cereal and breakfast food manufacturing |
|
|
| Chemicals and flammable liquids < 23 deg celsius |
|
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| Chemicals and flammable liquids >23 <62 deg celsius |
|
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| China and crockery |
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| Chocolate manufacturing |
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| Clothing manufacturing and storage |
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| Clothing factories |
|
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| Coffee and tea manufacturing |
|
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| Coffee roasting |
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| Coffee shop with no or minor deep frying |
|
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| Cold store operators |
|
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| Computer hardware including minor servicing |
|
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| Confectionery manufacturing |
|
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| Control panels |
|
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| Conveyor belts |
|
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| Cordial and soft drink manufacturing |
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| Cotton goods manufacturing |
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| Courier and parcel depots |
|
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| Curtain manufacturing |
|
|
| D |
PROPERTY |
LIABILITY |
|
| Dairy products including cheese |
|
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| Detergents |
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| Disinfectants |
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| Display homes |
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| Distillery |
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| Door and windows |
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| Drapery and manchester |
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| Dried fruit |
|
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| E |
PROPERTY |
LIABILITY |
|
| Earthenware and terracotta |
|
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| Edible oil processing or storage |
|
|
| Electrical equipment – heavy |
|
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| Electro-plating works including galvanising |
|
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| Engineering – metal NOC |
|
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| EPS/ Foam panel construction |
|
|
| F |
PROPERTY |
LIABILITY |
|
| Farm produce and farm supplies stores |
|
|
| Fibreglass products |
|
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| Fishmongers and seafood |
|
|
| Flexible hoses |
|
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| Floor coverings |
|
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| Food processing |
|
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| Footwear |
|
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| Frozen foods |
|
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| Fruit and vegetable processing |
|
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| Fruit juice |
|
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| Furniture manufacturing |
|
|
| G |
PROPERTY |
LIABILITY |
|
| Garbage and recycling collectors including skip hire |
|
|
| General engineering |
|
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| Glassware |
|
|
| H |
PROPERTY |
LIABILITY |
|
| Hide and skin processing |
|
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| Hotels wooden – 50% or more timber construction |
|
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| Hotels/ pubs / tavern (mainly sales of Alcohol) |
|
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| Hotels, 4 and 5 Star, Accommodation |
|
|
| I |
PROPERTY |
LIABILITY |
|
| Icecream |
|
|
| Importers NOC |
|
|
*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 |
|
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| Mattresses and quilt factories |
|
|
| Meat boning and packing excluding contamination |
|
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| Metal awnings and blinds |
|
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| Motels |
|
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| Motor Mechanics |
|
|
| Manufacturing NOC |
|
|
| N |
PROPERTY |
LIABILITY |
|
| Nightclubs and wine bars |
|
|
| P |
PROPERTY |
LIABILITY |
|
| Paint and varnish |
|
|
| Panel beaters |
|
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| Paper bags and paper products |
|
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| Pasta products |
|
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| Pawn broker shops |
|
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| Pet food manufacturing |
|
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| Picture frames |
|
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| Pillows and quilts |
|
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| Pizza shops |
|
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| Plastic bags |
|
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| Plastic blow moulding |
|
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| Plastic coating |
|
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| Plastic factories – extrusion, injection moulding, blow moulding |
|
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| Plastic factories – film blow moulding |
|
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| Plastic film |
|
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| Plastic laminating |
|
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| Plumbing supplies |
|
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| Plywood and veneer |
|
|
| Polystyrene foam |
|
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| Polyurethane foam |
|
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| Poultry processing |
|
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| Powder coating |
|
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| Powdered milk |
|
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| 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 |
|
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