
General information, not advice. Written for general guidance and drawing on external sources as well as our own experience. It isn't a personal recommendation and doesn't take account of your circumstances — full disclaimer and sources.

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.
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.
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.
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 An article you're reading some time after publication may be out of date.
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.
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.
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.
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.
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We're an Appointed Representative of Gauntlet Risk Management Ltd, which is authorised and regulated by the FCA. You can check our entry on the FCA Register.
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
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Office: Vivian House, Roman Bridge Close, Mumbles, Swansea, SA3 5BG
Call 01792 001350
Email: [email protected]

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