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Where the information comes from

Our articles are compiled from a range of sources: regulators and public bodies such as the FCA, the Civil Aviation Authority, the Health and Safety Executive and Companies House; government publications and legislation; industry and trade bodies; insurer and market documentation; and published research and news reporting. Not everything stated originates from Miller & Partner. Where information comes from a third party we believe it to be accurate at the date of publication, but we haven't independently verified every external source and we don't warrant its accuracy or completeness. Where a point matters to a decision you're making, go to the original source and check it.

Figures, examples and case studies

Premium ranges, cost figures, limits and worked examples are illustrative only. They are not quotations, not offers of cover, and no cover is provided or implied on the basis of them. What you're actually charged depends on underwriting, and what you're actually covered for depends on the policy wording issued to you. Where an article includes a claim example, scenario or case study, it is illustrative unless we say otherwise — such examples are typically composites written to show how a policy section responds, and they don't describe an identifiable client, claim or settlement.

Interactive tools

Any calculators, cover checkers, risk assessors or similar tools on our site produce general guidance from the small number of answers you give them. They can't see your business, and their output is not a personal recommendation, an assessment of your actual risk, or a quotation.

Rules and market conditions change

Law, regulation, tax treatment, insurer appetite and policy wordings all change, sometimes at short notice. Content is accurate to the best of our knowledge on the date shown on the article and we don't undertake to update it as things move. An article you're reading some time after publication may be out of date.

Third parties and external links

References to insurers, underwriters, trade bodies, software, training providers or other organisations are for information only. They don't imply endorsement, recommendation, partnership or affiliation in either direction unless stated. We're not responsible for the content of external websites we link to.

Not legal, tax or accounting advice

Nothing here is legal, tax, accounting or regulatory advice. Where an article discusses statutory duties, contract terms or compliance obligations, take advice from an appropriately qualified professional on your own position before acting.

How we write these

We use AI tools in researching and drafting our published content. Every article is reviewed and signed off by a named, accountable person at Miller & Partner before it is published, and responsibility for what appears here rests with us.

Our regulatory status

Miller & Partner Ltd is an Appointed Representative of Gauntlet Risk Management Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 308081). Miller & Partner Ltd is entered on the FCA Register under reference 1029698. Registered in England and Wales, company number 16206282. Registered office: Vivian House, Roman Bridge Close, Mumbles, Swansea, SA3 5BG.

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For advice on your own insurance arrangements, speak to us directly — that's when we can take your circumstances into account and give you a recommendation.