Buildings Insurance protects your business premises should it be damaged by fire, flood, burst pipes or storms…
Specialist Risk Insurance Solutions combine years of experience in arranging liability covers to protect businesses from a diverse range of incidents.
Employers Liability Insurance is a legal requirement for most businesses that employ at least one person. This covers employees if they become injured or sick as a result of the work they do and sue you for compensation – it also covers any legal fees you are ordered to pay.
If a member of the public sustains injuries or damage as a result of your business, they can sue you and you could be liable for these costs. Public Liability Insurance therefore provides cover to defend these claims and compensation payments.
Product Liability Insurance offers protection against claims that are made against your business for injury or damage caused by a product that you have sold.
All businesses face unique risks, so please get in touch with our expert team to ensure your business has the correct cover in place. We will work closely with you to understand your potential liabilities before crafting a bespoke insurance programme to protect your business.
WHAT IS TYPICALLY COVERED?
Injury and illness, as well as death for employees and third parties
Defence costs
Compensation payments
Payments ranging from £1 million to £10 million
RETAIL CASE STUDY
We were first introduced to Miles Smith in 2014 by our financiers. Miles Smith, now known as Specialist Risk Insurance Solutions, were able to demonstrate that they could streamline our Insurances and in so doing, reduce our premiums considerably. We therefore transferred to them mid-term and immediate savings were negotiated with the holdings Insurers. Improvements in cover were also added immediately, including a contract works limit to allow us to refurb stores up to an agreed limit, without having to refer back to Insurers.
"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 DirectorOTHER COVERS
Contents and Stock covers the cost of replacing stock, equipment and other goods following an incident…
Contingency cover protects you should you suffer financial losses from an issue at an event such as last-minute cancellations…
Contract Works covers builders and tradesmen for any work in progress on a building site that is damaged…
Contractors All Risks protects employers and contractors for loss or damage to a building site that you or your team…
Crime cover protects you from both internal and external fraudulent activities, helping to get your business up and…
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…
Environmental Impairment Liability provides cover following an incident that causes pollution on land…
Goods in Transit insurance provides cover for theft, loss, or damage of goods whilst they are being transported…
Jewellers’ Block protects businesses that sell high-value or unique jewellery or carry out regular valuations…
Landlord’s Contents covers insured furnishings in your rented property should they be damaged by tenants…
Latent Defects covers the cost of remedying and rectifying damage caused by faults in design, construction…
Legal Expenses protects you and your business by covering the cost of taking or defencing legal action should the need…
Legal Indemnity is typically paid for by the seller of a property and protects the purchaser against issues…
Loss of Licence covers the costs that are incurred if your alcohol licence is revoked by your Local Authority…
Machinery and Plant is a vital cover to protect necessary plant and equipment used by industries such as…
Marine Cargo cover protects businesses that are responsible for transporting goods both domestically and…
Our combined Material Damage and Business Interruption cover provides businesses with full protection…
Medical Malpractice protects healthcare professionals against allegations of clinical negligence and medical…
Personal Accident and Travel cover protects a business’s directors, partners and/or employees if they suffer…
Product Recall covers the reasonable and necessary expenses of recalling and replacing products where…
Professional Indemnity covers the legal costs and any resulting compensation payments if a client alleges…
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…
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FAQS
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.
