Working in a specialist industry amplifies the importance of a comprehensive insurance programme, complemented by an intelligent risk management strategy. You therefore need to work with an insurance broker who is knowledgeable in the risks your business faces, to ensure your business is protected from an unexpected incident that could lead to a claim.

Combining our Group experience, Specialist Risk have been crafting tailored insurance solutions and providing claims management services to motor trade businesses for over 20 years.

Our expert team will work closely with you to understand your business and its nuances, before tailoring a bespoke insurance programme and providing risk management advice. To further enhance this, we introduce you to other complimentary services to help improve your business productivity and risk management processes.



We have over 20 years of experience working with motor trade businesses

We specialise in arranging bespoke insurance programmes for all types and sizes of motor trade businesses

We have access to market-leading products and only work with top insurers, ensuring robust protection

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


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

Whether you own a car dealership or a vehicle repair workshop, we are knowledgeable in the risks your business faces and our team are more than capable of supporting you with any insurance or risk management matter.

Furthermore, our services often contain unique elements that can help you manage your business’s insurance. These include potential long-term deals, low claims rebates, risk management funding, no sums insured basis, partial comprehensive and variable excess limits.


We work with a range of businesses in the motor trade industry. Some of our clients include:

  • Body shops
  • Car dealerships
  • Delivery agents
  • Motorcycle traders
  • Recovery agents
  • Vehicle repairers


Our approach to arranging motor trade insurance is tailored to your business, ensuring your business is appropriately protected against the unique risks it faces. Typical covers we look at for businesses in the motor trade sector include:

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…
Legal Expenses protects you and your business by covering the cost of taking or defencing legal action should the need…
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…
Professional Indemnity covers the legal costs and any resulting compensation payments if a client alleges…
Personal Accident and Travel cover protects a business’s directors, partners and/or employees if they suffer…
“I have dealt with Specialist Risk Insurance Solutions, formerly Miles Smith Insurance Solutions, for a number of years now and am very grateful for the advice together with the support given. Prior to their involvement, I had suffered a deteriorating claims experience and through various Risk Management guidance, including the fitting of cameras, my experience has radically improved. I now regard them as part of my team, and look forward to working with them in the years ahead”

Beeches Recovery

Director, Manjit Nandra


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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