"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"
Loss or damage to any of your buildings, plant or stock has the potential to cause a substantial business interruption. That is why we have intelligently combined our Material Damage and Business Interruption cover to ensure robust protection for businesses.
Material Damage cover is the modern form of Fire & Perils but is far superior. It provides cover to reinstate any asset that is lost or damaged to its condition before an insured event occurred, such as a fire or storm.
Combine this with Business Interruption, which covers the loss of income that the business would have received had the incident not happened, and not only are your assets covered, but also your income is covered if you are unable to trade.
All businesses face unique risks, so please get in touch with our expert team to ensure your business has the correct cover in place.
Reinstatement and replacement of buildings, fixtures, office contents and stock
Damage or destruction from fire, storm, or flood
Loss of revenue
The cost of any additional staff needed due to the disaster
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“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.”