John Miller

Principal Broker & Director — Miller & Partner

Mumbles, Swansea — serving clients nationwide

13+ Years specialist
insurance experience

#1 Account Executive
Brown & Brown UK

5★ Rated on Google
by UK businesses

Always Independent —
never corporate

FCA Authorised & Regulated

Lloyd's Market Access

Specialist MGA & Insurer Schemes

Fully Trained — All Aspects of Commercial Broking

One of South Wales' Most Successful Independent Brokerages

A Different Kind of Broker

At a time when independent brokerages across the UK are being absorbed by large corporate groups, John Miller has taken a deliberate and uncompromising decision to remain independent — and always will. Miller & Partner was built on a simple premise: that UK businesses deserve a broker who knows them by name, understands their risks at a granular level, and is motivated entirely by their interests rather than a corporate revenue target.

"I started Miller & Partner because I was tired of watching businesses treated as account numbers. My clients stay with me because they trust me — and that trust is something I will never put at risk for a commission."

That philosophy has translated into results. Miller & Partner has become one of the most successful independent commercial brokerages in South Wales — built without pushy sales tactics, without corporate backing, and without ever compromising the client-first approach that defines every conversation John has with a business owner.

Career Background

Miller & Partner — Present

Director & Principal Broker

Founded Miller & Partner to bring genuinely independent, relationship-driven broking back to UK businesses. Now one of South Wales' most successful independent commercial brokerages, with clients across the UK. Direct access to Lloyd's Market, specialist MGA schemes, and a panel of leading UK and international insurers. Ambition: to become one of the best independent brokerages in the UK — entirely on merit, entirely independent.

Brown & Brown — Commercial Insurance

Account Executive — Ranked #1 from Hundreds of AEs in First Year

Returned to insurance and immediately demonstrated the commercial instincts and client skills that had defined his earlier career. Achieved the top account executive ranking across the entire Brown & Brown UK operation within his first year — from a field of hundreds of experienced professionals. Consistently and significantly exceeded targets throughout his tenure.

Career Break — Social Care

Support Worker — Adults with Alcohol and Dependency Issues

For ten years, John stepped away from financial services to work directly with adults experiencing alcohol and dependency challenges. This period gave him a depth of empathy, patience, and genuine human understanding that now informs every client relationship — and a perspective on professional responsibility that no insurance qualification can replicate.

Early 2000s — AXA Insurance

Commercial Insurance — #1 Salesperson for Two Consecutive Years

Began his insurance career at AXA, one of the world's largest insurers, where he rapidly distinguished himself as the top-performing salesperson — achieving that ranking for two consecutive years. Gained comprehensive grounding across all aspects of commercial insurance broking and product knowledge that underpins his expertise to this day.

Expertise & Specialisms

John is fully trained across all aspects of commercial insurance broking, with particular depth in the following sectors:

Construction & Civil Engineering Commercial Property Professional Indemnity Contractors Combined Hospitality & Leisure Engineering Cyber Insurance Niche & Specialist Risks Adverse Risk Placement Lloyd's Market MGA Schemes Business Liability

Market Access

Miller & Partner operates as an Authorised Representative of Gauntlet Risk Management Ltd, regulated by the Financial Conduct Authority (FCA Firm Reference: 1029698). This structure provides access to the Lloyd's of London market, specialist Managing General Agents (MGAs), and a broad panel of UK and international insurers — giving clients access to markets and specialist schemes that generalist brokers simply cannot reach.

For risks that standard markets decline — adverse trading history, unusual activities, complex construction, niche operations — this market access is the difference between a business being insured and being exposed.

Why Independent Matters

The UK commercial broking market is consolidating rapidly. Large corporate groups are acquiring independent brokerages at pace, driven by the efficiency gains of scale. The trade-off, consistently, is personalisation. Clients who were once known to their broker by name become accounts managed by rotating teams against service level agreements.

John's view is straightforward: that trade-off is not one his clients should have to make. Miller & Partner will always be independent, always be personal, and always put the client's interest above every other consideration. That is not a marketing position — it is the founding reason the brokerage exists.