FCA Authorised - Firm Ref 1029698
5* rated broker on Google
13+ years specialist broking
When standard insurers say no,
we find a way to say yes.
Specialist UK commercial insurance broker placing niche, complex,
and adverse risk business through UK insurers and Lloyd's markets.
Expertise for difficult risks.
Exceptional service for every business.
Niche & complex
Drones, 3D printing, biohazard, vape, solar, aesthetics & more — we place sectors generalist brokers won't touch.
Adverse risk
Insolvency, CCJs, declined cover & non-standard placements through UK insurers and Lloyd's specialist markets.
Standard commercial
Reliable cover for established UK businesses seeking expert advice and long-term protection.
The I n s u r a b i l i t y Framework™
Most businesses have no idea how insurers actually assess risk. Using our proprietary Insurability Framework, we help businesses that standard insurers struggle to place, become more insurable and secure specialist cover with confidence.
Businesses Others Struggle To Place
Liquidation history, refused cover, adverse claims, unusual trades, emerging industries and difficult commercial risks handled by specialist underwriters and real human expertise.
Underwriter
Intelligence
We understand what creates underwriting concern and how to improve insurer confidence.
Difficult Risk
Expertise
Specialist placement for businesses declined or avoided by standard insurance markets.
Risk
Assessment
We identify hidden exposures and issues affecting business insurability.
Claims
Advocacy
Real support from real people when things go wrong — not call centres.
You're in safe hands
We’re authorised and regulated by the FCA. You can check our registration on the FCA Register.
Smarter tools, same human service
We use AI across our brokerage to work faster and more accurately.
But we're clear on where AI stops. Every policy recommendation, every piece of advice, every claim we handle — that's done by a real person who's accountable to you. .
John Miller - Company Director
I’ve been dealing with John for our specialist crime scene and biohazard cleaning insurance, and the service has been excellent. He took the time to understand the nature of our work and ensured we had the right level of cover in place. Responsive, knowledgeable, and easy to deal with throughout. Would recommend 100%
John was very helpful in an area where other brokers could not find policies that met the needs of my business. Quick responses and always friendly!
John M provided excellent support in arranging a policy suited to our needs. Despite our niche requirements, he communicated everything clearly and made the process simple. Highly recommended!
John sorted me out for the insurance I needed for my company and provided an excellent service. I can highly recommend Miller & Partner and will be using them again for all my commercial insurance requirements.
I can recommend Miller and Partner. They were prompt, efficient and responsive to my needs.
Very grateful for John’s assistance in finding a suitable policy for our needs, and being helpful and prompt in his advice. Highly recommended!
Insights and articles
Practical guides, industry updates and claims advice — written for UK business owners, not insurance professionals.
The Essential Guide to Insurance for Complex Construction Risks UK 2026
Insurance for Businesses with CCJs UK: 2026 Guide
What is Biohazard Cleaning Insurance? (Complete Guide)
Office: Vivian House, Roman Bridge Close, Mumbles, Swansea, SA3 5BG
Call 01792 001350
Email: [email protected]
