Education providers require specialist insurance programmes that are complemented by robust risk management advice.

Our expert team have worked with schools, colleges, and universities for many years. Although we are well versed in the risks these institutions face, we still take an individual approach to each organisation that we work with. This is because each institution will have their own requirements, the way they operate will differ and the nature of their roles may be different to other education providers.

It is crucial to work with an insurance broker who specialises in the education sector, so you are not left exposed if the need to make a claim arises.



We focus heavily on safeguarding, helping you protect children and vulnerable adults

We offer several options to structure your premium finance

Our expert team will work closely with you to create a bespoke risk management solution and bursary

We can offer a discreet review of your existing policies to identify cover enhancements that we can achieve

At Specialist Risk, we have outstanding relationships in the insurance market and work with top insurers to negotiate competitive products for our clients. Our specialist education policy is provided by ‘A’ rated insurers and is available for the majority of education providers that operate in the UK.

Our insurance solutions protect your staff, pupils, buildings, and contents. We also look at increasing modern risks, such as cyber breaches and crime. These types of cover are vital for education providers due to the large amounts of personal data you store.

In addition to arranging insurance, we provide ongoing risk management advice to help you manage and reduce the risks your institution retains. By reducing these risks, you are inevitably reducing your chance of having to make a claim.


We work with a diverse range of education providers, including:

  • Academies
  • Independent schools
  • Universities
  • Colleges
  • Special education needs
  • Nurseries
  • Co-op academies


Our team will take the time to understand your institution and the way you operate before recommending the most appropriate cover to protect your business. Typical covers we look at for businesses in the education sector include:

Buildings Insurance protects your business premises should it be damaged by fire, flood, burst pipes or storms…
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…
Employment Practices Liability covers employers for claims made against them by employees that allege discrimination…
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…
Personal Accident and Travel cover protects a business’s directors, partners and/or employees if they suffer…
Professional Indemnity covers the legal costs and any resulting compensation payments if a client alleges…


Miles Smith, now Specialist Risk Insurance Solutions, was asked by a large nationwide retailer to undertake a thorough review of its insurance provisions to highlight any potential gaps in cover.

Read the Whole Case Study

"Specialist Risk, formerly known as Miles Smith Insurance Solutions, staff are friendly, extremely approachable, responsive and very much work with us, allowing us to get on with the day-to-day running and growth of our business"

Belfield Group

Group Finance Director


Talk to our team

020 7977 4800

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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.

Does my trade fall within Specialist Risk’s appetite?

We work with all types of trades across a multitude of industry sectors. Please call us to discuss your specific needs and our expert team will be happy to assist.

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