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Commercial Printer Insurance
Why does a printing business need specialist insurance?
Because the loss that will actually happen to you is not the one a standard commercial policy is built around. A printer's biggest frequency exposure is the job being wrong — wrong colour, wrong date, wrong barcode, wrong allergen declaration — and that is a defect in the product itself, which product liability specifically excludes. The biggest severity exposure is a press fire, where the physical damage is dwarfed by the months of business interruption caused by equipment lead times. Neither is what a generalist rates when they see "printing" on a proposal form and reach for a commercial combined policy.
Key facts at a glance
- Product liability does not pay to reprint a bad job. It covers injury or damage caused by your product. It does not cover the product being defective, the cost of putting it right, or your customer's losses from a print run they could not use. That gap needs filling deliberately.
- Printing is a Part B activity under the environmental permitting regime. Under the Environmental Permitting (England and Wales) Regulations 2016, a permit is needed above 25 tonnes of organic solvents a year for cold set web offset and sheet fed offset litho, and above 5 tonnes for other printing activities.
- The threshold catches smaller firms than people expect. The 5-tonne figure applies to flexography, rotary screen, laminating and varnishing — and it counts solvent used for cleaning equipment, not just ink.
- Your indemnity period should track press lead times, not building rebuild. A replacement press is not a stock item. Twelve months is the default on most policies and is frequently the wrong answer for a printworks.
- Customers' property in your building is excluded as standard. Supplied stock, customer-owned plates and tooling, and finished goods awaiting despatch all sit inside the care, custody and control exclusion in a standard liability wording.
- Packaging printers carry recall exposure. An allergen or labelling error printed onto food packaging can trigger a product withdrawal at the brand owner's cost, and the claim comes back to the printer. See our guide to product recall insurance.
- In-running nips are the defining injury. Hands drawn into the point where two rollers meet, most often while cleaning a machine that has not been isolated. It is the exposure HSE guidance for the printing industry returns to most consistently, and guarding and isolation discipline is what underwriters ask about.
Commercial printing is a trade that generalist insurers price by analogy. It looks like light manufacturing, so it gets a light manufacturing rate, a standard liability wording and a twelve-month indemnity period. That works fine until something happens, at which point the firm discovers that the two things most likely to close it down are the two things the policy was never asked about.
This page is written for the commercial print business: litho, digital, large format, screen, flexo, labels, packaging and finishing. It is deliberately distinct from two neighbouring guides. Print on demand insurance covers the e-commerce and dropship model, where the exposures are intellectual property and platform dependence rather than plant. 3D printing insurance covers additive manufacturing, which despite the shared word is a different industry entirely.
Why does product liability not cover a misprinted job?
Because product liability insures harm your product causes, not the product being wrong. If a printed carton has a sharp edge that injures someone, that is product liability. If the same carton carries the wrong allergen declaration and 40,000 units have to be withdrawn, that is a defect in the work itself — and almost every standard liability wording excludes the cost of repairing, replacing or reprinting the insured's own product. This is the single most common uninsured loss in the print trade and the reason printers search for professional indemnity without quite knowing why.
The exposure splits into three distinct heads of loss, and they need three different answers:
| Head of loss | What it is | Where cover comes from |
|---|---|---|
| Cost of the reprint | Your own materials, press time and labour to run the job again | Not product liability. Needs a specific defective workmanship or product guarantee extension |
| Customer's consequential loss | A missed campaign, a cancelled launch, a delayed mailing, wasted media spend | Professional indemnity or errors and omissions, depending on the wording |
| Withdrawal or recall costs | Retrieving printed packaging already in the supply chain | Product recall cover, frequently as a separate policy |
| Third party injury or damage | Harm caused by the printed item itself | Product liability — the one head of loss it does cover |
| Intellectual property infringement | Printing artwork a customer supplied that infringed someone's rights | PI or a specific IP extension; customer indemnities are only worth the customer's solvency |
The test worth applying to your own schedule. Find the liability section and look for a defective workmanship, financial loss or product guarantee extension. If there is none, a £60,000 reprint on a packaging job that went out with a wrong barcode is coming out of your own margin — and your customer's consequential loss claim sits behind it with nothing in front of it.
How does specialist printers' cover compare with a standard commercial policy?
On six features that decide whether the business survives its worst realistic week. Defective work, press breakdown, indemnity period, customers' property, solvent and fire risk, and recall exposure. A general commercial combined wording handles none of them well, because none of them arise in the warehouse-and-office businesses the wording was drafted around.
| Feature | Standard commercial combined | Specialist printers' programme |
|---|---|---|
| Defective work and reprint costs | Excluded as damage to the insured's own product | Written back with a defined limit for reprint and rectification |
| Customer's financial loss from an error | Not contemplated | Professional indemnity or errors and omissions integrated with the liability section |
| Press machinery breakdown | Often omitted, or limited to sudden and unforeseen damage with low limits | Scheduled by machine, with breakdown and consequential loss linked |
| Business interruption indemnity period | Twelve months by default | Set against press lead times, typically 24 months or more |
| Customers' stock and property | Excluded by care, custody and control | Specific limit for goods held for or supplied by customers |
| Work in progress | Valued as raw materials | Valued to include press time and labour already invested |
| Solvent and fire risk | Rated generically, sometimes with an unnoticed warranty attached | Rated on actual solvent use, storage, cleaning practice and rag disposal |
| Product recall | Not contemplated | Addressed where packaging or labelling work is carried out |
Why is the press lead time the number that sets your indemnity period?
Because you cannot trade without the press, and you cannot replace it quickly. Business interruption indemnity periods are conventionally set at twelve months, a figure that comes from how long it takes to rebuild a building. A printworks rarely loses its building; it loses its press. Specifying, ordering, manufacturing, shipping, installing and commissioning a replacement press — then rebuilding the customer base that went elsewhere in the meantime — routinely runs well past twelve months.
Three things follow, and they are the questions we ask before anything else:
- Establish the real lead time for your specific machines. Not a general figure — ask your manufacturer or dealer what a like-for-like replacement would take today, and write the answer down. It is the most useful single fact in your submission.
- Add the recovery period, not just the replacement period. The indemnity period has to run until turnover returns to where it would have been, which is after the press is running, not when it arrives.
- Consider whether a competitor could run your work meanwhile. Subcontracting to another printer mitigates the loss and underwriters credit it — but only if the arrangement exists before the fire rather than being improvised afterwards.
The related trap is underinsurance. Presses are frequently carried at book value rather than replacement cost, and machinery that was bought a decade ago costs considerably more to replace today. Where sums insured prove inadequate, average applies and settlement is cut proportionately — including on partial losses. Our guides to underinsurance and the condition of average and day one reinstatement insurance set out how both mechanisms work.
What makes a printworks a heavy fire risk?
Paper dust, solvents, drying heat and cleaning rags, in a building full of expensive machinery. Printing combines a large quantity of combustible substrate, volatile cleaning solvents used daily by hand, heated drying and curing, and waste rags soaked in both. Solvent-contaminated rags left in a pile can self-heat and ignite without any external source, which is why rag disposal is a question underwriters ask and a control that costs almost nothing to fix.
The controls that materially change how a printworks is rated:
- Metal bins with self-closing lids for solvent rags, emptied daily. The single cheapest improvement available to a print business.
- Solvent storage in a designated, ventilated area with quantities at the press kept to what the shift needs.
- A DSEAR assessment that has actually been done. The Dangerous Substances and Explosive Atmospheres Regulations 2002 apply wherever flammable solvents are used, and the zoning exercise drives both compliance and rating.
- Paper dust management on guillotines, folders and finishing lines, where accumulation is both a fire load and an ignition risk near motors.
- Hot work control for maintenance, with a post-work watch period rather than just a permit.
- Separation of the warehouse from the press hall. Bulk paper storage next to the machinery concentrates the whole loss into one compartment.
From recent placement conversations
"The question that changes the conversation is 'how long to replace your main press?' Most printers know the answer immediately, because they researched it when they bought the machine. Then I ask what their indemnity period is, and it is twelve months, and you can watch them do the arithmetic in real time. Nobody set that number deliberately. It was on the schedule when they took the policy over and it has rolled forward ever since."
"The other one is the reprint. Every printer has a story about a job that went out wrong, and every one of them paid for it themselves. They assume that is just how the trade works. It is not — it is a cover feature they were never offered, because the broker who wrote the policy did not know printing well enough to ask."
How does the Insurability Framework apply to a printworks?
Print combines a heavy fire load, high-value machinery, third party property in custody and a defect exposure that most wordings exclude. That mix sits awkwardly across several underwriting appetites at once, and firms with a fire in their history or solvent-based processes are routinely quoted badly or declined outright. The Insurability Framework™ is our structured method for making the risk legible to underwriters who can rate it properly.
The Insurability Framework applied to commercial printing
Four pillars, applied to litho, digital, large format, screen, flexo, label and packaging printers.
Print underwriters price on solvent handling, rag disposal, press schedules and paper storage layout. Your permit status, DSEAR assessment, machine list with replacement values and press lead times are what move the number, and we put them forward before they are requested.
Solvent-based processes, a fire in the loss record or a large single-machine dependency take a printworks outside general commercial appetite. Placement runs through Lloyd's syndicates and specialist MGAs that write manufacturing fire risk deliberately rather than avoiding it.
The dangerous gaps are structural: no defective work extension, a twelve-month indemnity period against a much longer press lead time, presses carried at book value, and customers' stock sitting uninsured inside the custody exclusion.
A print claim usually involves a customer relationship you want to keep and a coverage position that is not obvious. Establishing which section responds to a reprint, a recall or a machine failure is the work, and it is not something a call centre does well.
More on the method on our Insurability Framework page, and on comparable placements in our adverse risk insights hub.
What cover does your type of print business need?
Print processes differ enormously in what can go wrong. Select the closest match to your operation.
Print business cover checker
Sheet-fed litho printer
- CRITICAL Indemnity period set against press lead time — the defining decision for a single-press business.
- CRITICAL Defective work and reprint cost extension, because a make-ready error runs to thousands of sheets fast.
- ESSENTIAL Machinery breakdown scheduled by press, with consequential loss linked.
- ESSENTIAL Solvent handling and rag disposal documented — the cheapest rating improvement available.
- LEGAL Employers' liability at the statutory minimum under the Employers' Liability (Compulsory Insurance) Act 1969; £10m is the practical standard.
- CONSIDER Whether solvent use crosses the 25-tonne permit threshold for offset litho.
Digital printer and copy shop
- CRITICAL Errors and omissions cover — short-run digital means high job volume and high error frequency.
- ESSENTIAL Customers' property on site, including artwork, files and supplied stock.
- ESSENTIAL Cyber cover for prepress files, customer data and the print MIS — see cyber insurance.
- ESSENTIAL Machinery breakdown on digital presses, where a single component failure stops all production.
- RECOMMENDED Public liability sized for a shopfront where customers come on site.
- CONSIDER Intellectual property exposure on customer-supplied artwork you reproduce.
Large format and signage printer
- CRITICAL Installation liability where you fit signage — working at height changes the risk profile entirely.
- CRITICAL Products liability for signage that fails in situ and causes injury or damage.
- ESSENTIAL Goods in transit for finished panels and vehicle wraps moving to site.
- ESSENTIAL Customers' vehicles where you carry out wrapping — that is third party property in your custody.
- RECOMMENDED Solvent and UV curing exposures declared accurately.
- CONSIDER Contract works cover where installation runs across several days on a client site.
Label and packaging printer
- CRITICAL Product recall exposure — an allergen or labelling error reaches the consumer supply chain.
- CRITICAL Defective work and third party financial loss at a limit reflecting your largest customer's production run.
- ESSENTIAL Contractual liability review — brand owner contracts frequently impose uncapped indemnities.
- ESSENTIAL Flexo solvent use assessed against the 5-tonne permit threshold.
- ESSENTIAL Customers' tooling, dies and cylinders held on site.
- CONSIDER Contingent business interruption where one brand owner dominates your order book.
Screen and garment printer
- CRITICAL Customers' garments in your care — a ruined batch of supplied blanks is a custody claim, not product liability.
- ESSENTIAL Curing and heat press fire exposure, particularly where tunnels run unattended.
- ESSENTIAL Screen chemicals and washout area assessed under COSHH and DSEAR.
- ESSENTIAL Intellectual property cover for designs reproduced on customer instruction.
- RECOMMENDED See also streetwear and fashion business insurance where you sell your own ranges.
- CONSIDER Whether you are a printer, a brand, or both — the two are rated differently.
Print management and broker
- CRITICAL Professional indemnity is the primary cover, not liability — you are selling specification and judgement.
- ESSENTIAL Vicarious exposure for the errors of the printers you subcontract to.
- ESSENTIAL Confirmation that your suppliers carry their own cover at adequate limits.
- ESSENTIAL Goods in transit and stock held at third party sites on your account.
- RECOMMENDED See our professional indemnity page for how claims-made cover behaves.
- CONSIDER Trade credit exposure where you carry the print spend before the client pays.
Do you need an environmental permit to print?
Above the solvent thresholds, yes — and printing is regulated by your local authority, not the Environment Agency. Printing is a Part B activity under the local authority pollution prevention and control regime, meaning emissions to air only. Under the Environmental Permitting (England and Wales) Regulations 2016, the threshold is 25 or more tonnes of organic solvents in a 12-month period for cold set web offset and sheet fed offset litho, and 5 or more tonnes for any other printing activity. Regulators write those permits using Defra's process guidance note PG6/16.
Two points matter for insurance rather than compliance:
- Solvent used for cleaning counts towards the threshold. Firms that think of themselves as being well under often are not, because they are counting ink and not press wash. If you are near the line, calculate it properly.
- Permit status is underwriting evidence. A permitted site with a current solvent management plan has documented exactly what an underwriter wants to know about quantities, storage and handling. Put it in the submission; most printers never think to.
Who insures the customer's stock sitting in your warehouse?
Not your public liability policy, and frequently nobody at all. Customer-supplied stock, customer-owned plates, dies and cylinders, and finished goods awaiting despatch are third party property in your care, custody and control — the standard exclusion in almost every commercial liability wording. For a printer holding a brand owner's substrate or a season's finished packaging, this is a large, live, uninsured number sitting in the building.
Three parameters decide whether the buy-back actually works, and they are worth checking against what is in your building tonight:
- The limit against peak holding, not average. Print is seasonal. The limit has to work in your busiest week, not your typical one.
- Whether work in progress is valued properly. Part-printed stock is worth more than the paper it started as, because your press time and labour are in it. Many policies value it as raw material.
- Whether cover follows the goods. Stock at a finisher, a laminator or an offsite warehouse is frequently outside the policy's stated premises.
Which gaps should you check before renewal?
Tick anything you cannot answer immediately. Each is a gap we find regularly in print programmes written on general commercial paper.
Printers' cover gap checklist
- Your policy has no defective work, reprint or product guarantee extension.
- Your business interruption indemnity period is twelve months.
- You do not know the current replacement lead time for your main press.
- Presses are carried at book value rather than today's replacement cost.
- There is no specific limit for customers' stock, tooling or supplied materials.
- Work in progress is valued as raw material rather than including press time.
- Solvent rags are not disposed of in lidded metal bins emptied daily.
- No DSEAR assessment has been carried out, or it predates a change of process.
- You have not calculated annual solvent use including press wash against the permit threshold.
- You print packaging or labels and have no recall provision.
- Stock held at a finisher or offsite warehouse is not declared.
- Customer contracts contain indemnities nobody has read against the policy.
Three or more ticks and your programme was written for a generic manufacturer rather than a printworks. Items one to four are the ones that decide whether the business survives a press fire.
How complex is your printworks to place?
Printworks placement assessor
What drives the cost of printers' insurance in 2026?
Fire load, machinery values and single-machine dependency — with turnover well down the list. Two printers with identical revenue can be priced very differently if one runs solvent-based litho from a single press in a shared industrial unit and the other runs digital machines across two sites. Print is judgement-underwritten by a limited number of markets, so how the risk is presented has a direct effect on the number.
| Rating factor | Why it matters to the underwriter | What reduces the loading |
|---|---|---|
| Process and solvent use | Determines the fire load and whether DSEAR zoning applies | Accurate annual figures including press wash, plus a solvent management plan |
| Rag and waste disposal | Self-heating in solvent rags is a recognised ignition source needing no external cause | Lidded metal bins emptied daily, documented as a standing procedure |
| Machinery values and age | Sets the realistic maximum loss and the replacement exposure | A current machine schedule at replacement cost, not book value |
| Single-machine dependency | One press failing stops the whole business | Documented subcontract arrangements with another printer, agreed in advance |
| Paper storage layout | Bulk substrate beside the press hall concentrates the loss | Separation, compartmentation and controlled stock levels at the machine |
| Indemnity period | Drives the BI sum insured and the insurer's tail on a total loss | A stated press lead time from the manufacturer, evidenced |
| Work mix and defect exposure | Packaging and labelling errors reach the consumer supply chain | Proof reading and sign-off procedures, and a customer approval trail |
| Machine guarding and isolation | In-running nips are the industry's defining injury | Current PUWER assessments, interlocked guards, lock-off for cleaning |
| Claims record | Frequency predicts management quality more reliably than severity | A clean run, or a documented account of what changed after a loss |
| Presentation quality | Few markets write print deliberately; ambiguity gets priced | A structured submission with machine schedule, permit status and lead times |
Where a difficult print risk becomes placeable. A printworks with a fire in its history is not uninsurable, but it will not be written on a bare proposal form. What changes the outcome is a documented account of what the fire was, what caused it, and what has changed since — new bins, new storage, new procedures, new training. Underwriters price uncertainty, and a loss you can explain is far less uncertain than one you cannot. See business insurance after a fire claim.
John Miller — Director & Principal Broker
John has spent over thirteen years placing specialist commercial risks, with a particular focus on manufacturing businesses whose largest exposure is not the one on the proposal form. Printing is a recurring example: firms insured as light manufacturers when the two things most likely to close them down are a reprint their policy excludes and a press lead time their indemnity period does not reach. He works with litho, digital, large format, screen, label and packaging printers on the structural questions — defective work cover, machinery at replacement value, indemnity periods set against real lead times, and customers' stock that nobody has insured.
Former #1 Account Executive at Brown & Brown and former #1 Salesperson at AXA, with direct access to the Lloyd's Market and specialist MGA schemes.
Glossary of printers' insurance terms
- Defective workmanship cover
- The extension paying to put right work that was performed incorrectly. Not present in a standard liability wording, and the most commonly missing feature in a print policy.
- Product guarantee
- Cover for the cost of replacing or repairing a product that fails to perform its intended function, as distinct from harm the product causes.
- Care, custody and control
- The standard liability exclusion removing damage to third party property in your possession. Captures customers' stock, tooling and finished goods.
- Work in progress
- Part-completed jobs carrying invested press time and labour. Should be valued above raw material cost.
- Indemnity period
- The maximum period business interruption responds. For a printer it should reflect press lead times and customer recovery, not building reinstatement.
- Machinery breakdown
- Cover for sudden and unforeseen mechanical or electrical failure of plant, separate from fire and accidental damage.
- Condition of average
- The mechanism reducing a claim proportionately where the sum insured is inadequate. Applies to partial losses as well as total ones.
- Part B activity
- An activity regulated by the local authority for emissions to air only under the environmental permitting regime. Printing above the solvent thresholds falls here.
- PG6/16
- The Defra process guidance note regulators use to assess applications and write environmental permits for printworks.
- Solvent management plan
- The record of solvent inputs and outputs required at a permitted site. Doubles as useful underwriting evidence.
- DSEAR
- The Dangerous Substances and Explosive Atmospheres Regulations 2002, applying wherever flammable solvents are used or stored.
- In-running nip
- The point where two rollers meet and draw material in. The printing industry's defining injury mechanism, usually occurring during cleaning.
- Spontaneous combustion
- Self-heating to ignition without an external source. The risk presented by piles of solvent-contaminated cleaning rags.
- Product recall
- The cost of retrieving products already distributed. Relevant to printers producing labels and packaging carrying regulated information.
- Errors and omissions
- Cover for a customer's financial loss caused by a mistake in your work, as opposed to physical damage. Frequently the right answer for a print error.
- Goods in transit
- Cover for stock and finished work while being moved, including to finishers, laminators and customer sites.
Frequently asked questions
What insurance does a printing business need?
At minimum, employers' liability, public and products liability, material damage on premises and machinery, and business interruption. What makes a print programme specialist is what sits on top: a defective workmanship or product guarantee extension for reprint costs, errors and omissions for a customer's financial loss, machinery breakdown on presses, a limit for customers' stock in your care, and an indemnity period set against press lead times rather than the default twelve months.
Does my liability policy cover a misprinted job?
Almost certainly not. Product liability covers injury or damage caused by your product; it does not cover the product being defective, the cost of reprinting it, or your customer's losses from a run they could not use. Those three heads of loss need a defective workmanship extension, professional indemnity or errors and omissions, and in packaging work a recall provision. Check your liability section for a financial loss or product guarantee extension — if there is none, the reprint is yours.
Do printers need professional indemnity insurance?
Where you advise on specification, artwork, colour management or substrate suitability, yes. Professional indemnity or errors and omissions responds to a customer's financial loss caused by a mistake in your work, which is the head of loss product liability specifically excludes. It matters most for print management businesses, packaging printers whose errors reach a consumer supply chain, and any printer whose customers run time-critical campaigns.
What indemnity period should a printer have?
One set against the real replacement lead time for your main press plus the time to rebuild turnover afterwards. Twelve months is the industry default and comes from building reinstatement, not machinery. Ask your press manufacturer or dealer what a like-for-like replacement would take today and evidence it in your submission; twenty-four months or more is common once that arithmetic is done honestly.
Do I need an environmental permit for my printworks?
Above the solvent thresholds, yes. Printing is a Part B activity regulated by your local authority for emissions to air. Under the Environmental Permitting (England and Wales) Regulations 2016, the threshold is 25 or more tonnes of organic solvents in any 12-month period for cold set web offset and sheet fed offset litho, and 5 or more tonnes for other printing activities. Solvent used to clean equipment counts towards the figure, which catches more firms than expect it.
Who insures customer stock held in my warehouse?
Not your public liability policy. Customer-supplied substrate, customer-owned plates, dies and cylinders, and finished goods awaiting despatch are third party property in your care, custody and control, which is a standard exclusion. A specific limit is needed, set against your peak holding rather than your average, and it should follow the goods to finishers and offsite storage.
Why are solvent rags such a big deal to insurers?
Because they can ignite without any external source. Cleaning rags soaked in solvent and left in a pile can self-heat to the point of combustion, which is why a printworks can have a fire overnight with nobody on site and no electrical fault. Lidded metal bins emptied daily is the control, it costs almost nothing, and it is one of the few improvements that visibly changes how a print risk is rated.
Can I get cover if my printworks has had a fire?
Yes, though it becomes a specialist placement rather than a panel quote. What changes the outcome is a documented account of the loss: what happened, what caused it, and precisely what has changed since — storage, bins, procedures, training, compartmentation. Underwriters price uncertainty, and a fire you can explain and evidence is a materially different proposition from one presented as a bare entry on a claims experience.
Is print-on-demand the same as commercial printing for insurance?
No, and they are rated very differently. Print on demand and dropship businesses carry intellectual property, platform dependence and fulfilment exposures, with little or no plant. Commercial printing carries heavy machinery, fire load, custody of customer stock and defect exposure on large production runs. Our separate guide to print on demand business insurance covers the e-commerce model.
Does 3D printing insurance cover my print shop?
No. Despite the shared word they are unrelated industries. Additive manufacturing involves powders, resins and part performance liability, and is underwritten as advanced manufacturing. Graphic and commercial printing involves presses, inks, solvents and substrate. A policy written for one will not sensibly serve the other, and this is a genuine source of confusion when firms search for cover online.
What about recall cover for packaging printers?
If you print labels or packaging carrying regulated information — allergens, ingredients, use-by dates, barcodes — a printing error can trigger a withdrawal of product already in the supply chain, at the brand owner's cost. That claim comes back to you, and standard liability does not contemplate it. Where packaging is a material part of your work mix, recall exposure should be addressed specifically rather than assumed away.
How do I find a specialist printers' insurance broker?
Ask four questions: does my policy pay for a reprint, what indemnity period have you set and against what lead time, how are my presses valued, and what limit applies to customers' stock in my building. A specialist answers all four without hesitating and will want a machine schedule, solvent figures and press lead times before quoting. Miller & Partner approaches every print placement through the Insurability Framework — underwriter intelligence, difficult risk expertise, risk assessment and claims advocacy. Call 01792 001350 or email [email protected].
About this guide
This page is general information about insurance for UK commercial printing businesses, including litho, digital, large format, screen, flexographic, label and packaging printers and print management firms. It is not advice, and it is not a recommendation to buy or hold any particular policy. Any cover described is subject to insurer acceptance, underwriting and the terms of the policy actually issued.
Environmental permitting thresholds are summarised from the Environmental Permitting (England and Wales) Regulations 2016 as at the date shown at the top of this page and may change. Scotland and Northern Ireland operate equivalent regimes through their own regulators. Whether a permit is required for your own site is a question for your local authority, not for us. Nothing here is legal advice; customer contracts, indemnities and terms of trade should be reviewed by a suitably qualified legal adviser.
The interactive cover checker, gap checklist and placement assessor are general information tools only — not personalised advice, not a recommendation and not a quotation. Legislation and regulatory guidance are described as at the publication date and may change.
For our regulatory status, please see the footer of this website. To discuss a print placement, email [email protected] or call 01792 001350.
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!
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MEET THE Director
Hey, I'm John!
I started Miller & Partner with the aim to bring back personable, approachable broking to UK businesses who were tired of large corporate brokers and feeling like they were just another number.
I have built this brokerage up with no pushy sales techniques or big business tactics, just honest, approachable and professional relationships with my clients.
Over 13 years experience in business insurance
Client first approach
5* rated broker on Google
Office: Vivian House, Roman Bridge Close, Mumbles, Swansea, SA3 5BG
Call 01792 001350
Email: [email protected]
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