Co-operatives tend to have different insurance requirements to those of a PLC due to the specialist risks they face. Although purchasing a standard insurance policy can seem like a sensible commercial decision, it may leave you exposed due to the particular risks you face as a Co-operative.

We are proud to have worked with Co-operatives for over 10 years and take a strategic approach to arranging insurance solutions by tailoring our approach to each business that we work with.

This allows us to identify the unique risks that your business faces, which then enables us to craft the perfect solution for your business.



We are the recommended insurance broker for Co-op’s business insurance

Our team has over 10 years of experience working with businesses in this sector

We are committed to a client first approach and therefore, outstanding customer service

We share the same values as Co-operatives

From experience, we understand the wide-ranging and ever-evolving risks that are faced by Co-operatives. From traditional liability products that protect employers, employees, and the general public, to more modern products such as cyber and terrorism covers, we make sure you have an inclusive insurance programme that won’t leave you exposed to potential losses.

As a Co-operative, it is essential that you work with an insurance broker who understands your business and has outstanding relationships in the market to secure competitive terms for you.


We can arrange cover for the following types of Co-operatives:

  • Retail Co-operatives
  • Producer Co-operatives
  • Worker Co-operatives
  • Consumer Co-operatives
  • Agricultural Co-operatives
  • Housing Co-operatives
  • Social Co-operatives
Recommended insurance broker for Co-op’s business insurance


Our team will work closely with you to understand your business and the unique risks you face, before tailoring a bespoke solution to protect you. Typical covers we look at for Co-operatives include:

Buildings Insurance protects your business premises should it be damaged by fire, flood, burst pipes or storms…
Contents and Stock covers the cost of replacing stock, equipment and other goods following an incident…
Crime cover protects you from both internal and external fraudulent activities, helping to get your business up and…
Cyber Insurance offers comprehensive cover and if required, helps deal with reputation management…
Directors’ and Officers’ provides financial protection for the potential defence and damage costs for the leaders…
Employers’ Liability, Public Liability and Product Liability are key to protect your business against the diverse…
Goods in Transit insurance provides cover for theft, loss, or damage of goods whilst they are being transported…
Machinery and Plant is a vital cover to protect necessary plant and equipment used by industries such as…
Our combined Material Damage and Business Interruption cover provides businesses with full protection…
Motor Fleet protects the fleet of vehicles that your business operates under one insurance policy…
Terrorism cover protects a business and its ability to continue trading following a terrorism incident…
Trade Credit protects a business if a customer owes money for products or services and does not pay their debts…


“It makes things a lot easier, particularly when insurance isn’t your area of expertise. You want someone who understands how you’re set up, the way your board is, how you have to get things approved, and that you’re commercial, but do have other aspects.”

Read the Whole Case Study

"We had used other brokers in the past. I'd say Specialist Risk Insurance Solutions, formerly known as Miles Smith Insurance Solutions, are more proactive. They'll look into things for you, chase things up, whatever needs to be done they make it very easy. We have a great relationship with Alan Tattler and his team both with regards to underwriting, claims and risk management. The service we receive is excellent."

Chelmsford Star

CFO, Lisa Waghorn


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Where is Specialist Risk Insurance Solutions located?

Our head office is in the City of London, the address is:

One America Square, 17 Crosswall, London, EC3N 2LB. We also have offices in Croydon and Ampthill, Bedfordshire however we are currently working remotely due to COVID-19.

How can I travel to your London office?

Although we are currently working remotely due to COVID-19, when we return to our offices, the nearest tube station is Tower Hill, which is on the District and Circle lines.

Our office is also within walking distance of Liverpool Street Station, Cannon Street Station, London Bridge Station and Fenchurch Street Station. You can also travel on the DLR to Tower Gateway.

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