Formerly known in the private ambulance industry as Miles Smith Insurance Solutions, we are proud to be market-leaders in arranging insurance programmes for all types of private ambulance businesses.

Due to the complexity of the risks faced by private ambulance businesses, many insurance brokers do not have the knowledge or capability to place this type of insurance. This is where we come in! Our knowledgeable team specialise in difficult to place risks and we have over 20 years of experience working with businesses in this unique industry.

During this time, we have crafted intelligent insurance solutions specifically for private ambulance businesses that have innovated the market.



We specialise in difficult to place risks

We are a trusted business partner to the Independent Ambulance Association and the British Ambulance Association and we are pleased to service many of their members

Trade association members will receive a positive rating decision from us, often helping to negotiate the most competitive rates.

We offer cover for a range of key elements such as organ transfer and event work

We are a trusted business partner to two respected trade associations in the private ambulance sector, the Independent Ambulance Association (IAA) and the British Ambulance Association (BAA).

We are proud to be the recommended insurance broker for the members of these trade associations, which shows our commitment to the private ambulance industry.

If you are a member of the IAA or the BAA, you are likely to receive a positive rating decision with us, which can often reduce premiums compared to our standard terms. Please get in touch to find out how you can benefit from this service.


We can offer the full range of blue light ambulance insurance cover, as well as insurance for the following businesses:

  • Rapid response
  • Emergency 999
  • Low and/or high dependency transfers
  • Event work
  • Bariatric transfer
  • Organ transfer, including the transfer of surgical teams
  • Mental health transfer
Trusted business partner to the Independent Ambulance Association


We take an individual approach to each client that we work with, enabling us to secure the most appropriate cover to protect your business. Typical covers we look at for businesses operating in the private ambulance 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…
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…
Professional Indemnity covers the legal costs and any resulting compensation payments if a client alleges…


Miles Smith, now Specialist Risk Insurance Solutions, were asked to address a concern from an existing Private Ambulance client worried about the temporary cost of hiring replacement vehicles following an insured event at their Ambulance depot.

Read the Whole Case Study

“Specialist Risk Insurance Solutions, formerly known as Miles Smith Insurance Solutions, has been a trusted partner to the BAA since 2009 and is a well-respected insurance provider of insurance services within our industry. During this time, it has designed a range of specialist products and solutions, each tailored to meet the requirements of the independent ambulance sector, and as a result, a significant percentage of our industry use Specialist Risk as their advisers. The BAA would recommend seeking advice from Specialist Risk to provide an independent review of your insurance requirements."

British Ambulance Association

Vice Chairman, Carl Penny


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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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