| Commercial | All business that has a criteria above that of a micro business at time of binding. |
| Reinsurance | Any business bound on a reinsurance basis. |
| Retail | Any business who sells goods or services directly to consumers or end-users. |
| Micro | Any business with less than 2M Euro (or equivalent) turnover and less than 10 staff at time of binding. |
| SME | Small and Medium sized Enterprises (SMEs) are companies, which, according to their last annual or consolidated accounts, meet at least two of the following three criteria: an average number of employees during the financial year of less than 250, a total balance sheet not exceeding €43,000,000 and an annual net turnover not exceeding €50,000,000. |
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