Commercial & Liability

Commercial Insurance Manufacturing Engineers

Professional Indemnity2

Contractors Combined Trade Credit Product Recall Cyber Insurance Enforcement Agents Motor Trade AI & Tech Tech Contractors

Adverse Risk & Trade Sectors

After Insolvency CCJ & Adverse Credit

Hospitality6

Pubs & Restaurants Bars Activity Bars & Games Venues Guest Houses & B&Bs Glamping Sites Craft Breweries

Aesthetics & Beauty Golf Clubs Personal Trainers Esports & Gaming Dog Grooming Alternative Therapies

Niche & Specialist

Renewable Energy Installers Solar Panel Installers Solar Farms Biohazard Cleaning Waste & Recycling Mould Removal Pest Control 3D Printing Commercial Printers Drone Operators Vape Shops Marinas & Boatyards Private Ambulance Services

General & Commercial

General Quote Form Commercial Combined Combined Liability Professional Indemnity Cyber Property Owners Offices & Surgeries

Trade & Construction

Tradesman Contractors Combined Cleaning Contractors Motor Trade

Hospitality & Retail

Pubs & Bars Restaurants Hotels Guest House / B&B Shops & Salons Hair & Beauty

Lifestyle & Specialist

Sports Clubs & Gyms Golf Clubs Third Sector 3D Printing Drone Operators SaaS Businesses Alternative Therapies

Professional Indemnity

Design and Construct Accountants Architects Engineers Miscellaneous Miscellaneous (Short Form) Technology

The Insurability Framework™

Refer to Us

Contact

FS Register FRN 1029698

Five Star Rated on Google

13+ years specialist broking experience

Specialist Quote Request

Get a quick quote now

Enter your details

We search the market

Your quote by email

3 minutes No obligation Lloyd's & specialist markets

1. Insurance product Start here

Popular choices — tap one, or pick from the full list below

What do you need a quote for? *

Not sure which fits? Choose "Something else / not sure" and describe what you need — we'll match it to the right cover.

2. Your details So we can come back to you quickly

Proposer first name *

Proposer last name *

Role / Job title

Company type *

Business / trading name *

Email *

Phone number *

Main postcode

Street number

Your details are used only to prepare and discuss your quotation. A broker will read them personally — they don't go to a call centre or a lead list.

3. Business information A quick overview for underwriters

What does your business do? *

Years trading *

New business? Enter 0.

Approximate annual turnover (£) *

A ballpark figure is fine — it simply tells us which insurers to approach.

Renewal / target start date

Currently uninsured? Just pick when you'd like cover to start.

Current insurer / broker

Staff & sub-contractors * Enter 0 if none — a number above 0 reveals the wages box

Number of directors *

Number of clerical staff *

Number of manual staff *

Number of labour-only sub-contractors *

Number of bona-fide sub-contractors *

Any claims or incidents in the last 5 years? *

No Yes (please give brief details)

Has the business, or any director/owner, ever had a CCJ, insolvency, liquidation, administration, IVA or bankruptcy? *

No Yes (please give full details)

A "yes" won't put us off — adverse credit and post-insolvency risks are one of our specialities. Full disclosure simply lets us approach the right insurers and protects your policy from being voided later.

4. Commercial Combined – key details Property, business interruption & liability

Premises addresses & description of use

Buildings sum insured (£)

Contents / stock sum insured (£)

Business interruption cover required

Public / products liability limit required (£)

Work away from the premises

Risk features Security, processes and hazardous features

Security protections

Hazardous processes / materials

4. Professional Indemnity – key details Services, fees, limits and contracts

Main professional services provided

Estimated fee income this year (£)

Fee split by activity (%)

Limit of indemnity required (£)

Retroactive date (if applicable)

Contracts & terms of business

Clients & jurisdictions Who you act for and where

Typical clients and largest contracts

Territorial limits and governing law

4. Property Owners – property schedule Give details for each building if possible

Properties to be insured

Construction details

Tenancy / occupancy details

Total buildings sum insured (£)

Landlord's contents / fixtures (£)

Subsidence, unoccupancy & risk features Very important for property owners

Subsidence / movement history

Unoccupied properties

4. Contractors Combined – work profile Trade mix, turnover and labour

Main trades / activities

Turnover split by activity & location

Wage roll / labour split

Height / depth / hot works Core rating factors for contractors

Maximum heights and depths worked

Hot work and high-risk activities

Own / hired-in plant and tools

4. Motor Trade – operations Road risks, premises and stock

Motor trade activities

Types of vehicles handled

Stock of vehicles – max value at any one time (£)

Premises details & overnight parking

Drivers & road risks Who drives and how often

Drivers profile

Estimated annual mileage on trade plates

4. Pubs & Restaurants – trading details Food, drink, entertainment and late hours

Type of establishment

Turnover split – drinks vs food vs other (%)

Typical opening hours & late licences

Catering & safety Kitchens, fryers and security

Cooking arrangements

Security & door staff

4. Cargo / Goods in Transit – movements What you move, where and how

Description of goods carried

Estimated annual value of sendings (£)

Maximum value any one load (£)

Territorial limits & routes

Modes of transport & security

4. Combined Liability – exposures Employers', public & products liability

Activities giving rise to liability

Wage roll by category (£)

Turnover & exports (incl. USA/Canada)

Liability limits required (£)

Hazardous work & products Key underwriting questions

Hazardous work

Products & completed operations

4. Fleet – vehicles & use Who drives what, where and how

Number and type of vehicles

Use of vehicles

Typical annual mileage per vehicle

Drivers profile & restrictions

Overnight parking & security

4. Management Liability – company & directors Corporate structure and financials

Company structure

Financial position

Number of employees & HR practices

Claims, investigations & limits D&O, EPL and corporate legal liability

Previous or pending actions

Limit of indemnity required (£)

4. Offices & Surgeries – premises & cover Office/surgery contents, equipment and liability

Premises description

Contents & equipment (£)

Specialist / medical equipment (£)

Treatments or procedures (if any)

Visitors / patient numbers

4. Shops & Salons – trading details Stock, treatments and cash handling

Type of shop / salon

Stock value (£)

Glass and signage

Treatments (for salons)

Money on premises / in transit (£)

4. Tradesman – work profile Smaller contracting risks

Main trade(s)

Estimated annual turnover (£)

Labour-only & bona-fide sub-contractors

Work at height / depth

Use of heat or high-risk tools

4. Declined or refused elsewhere – the detail This is our speciality — the more you tell us, the better

What cover do you need?

Why were you declined or non-renewed?

Claims, credit or history behind the decline

Current cover status

4. Tell us what you're looking for We'll match it to the right product

5. Anything else we should know? Skip it if you're short on time

Don't worry if you can't complete everything — send what you have and we'll pick up the rest with you.

Referral Code Referred by someone?

By submitting this form you agree for Miller & Partner to contact you about this quotation. No cover is in place until expressly confirmed in writing.

Prefer to talk it through? Call a broker on 01792 001350

Office: Vivian House, Roman Bridge Close, Mumbles, Swansea, SA3 5BG

Call 01792 001350

Email: [email protected]

Terms of Service

Privacy Policy

Sitemap

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 Financial Services Register under firm reference number 1029698. You may check this on the Financial Services Register by visiting the FCA website at https://www.fca.org.uk/firms/financial-services-register or by contacting the FCA on 0800 111 6768. Miller & Partner Ltd is registered in England & Wales, company number 16206282. Registered office: 20 Vivian House, Roman Bridge Close, Swansea, SA3 5BG.