Insuring hazardous goods is complex due to the extensive regulations these businesses must adhere to. Therefore, Miles Smith has made it easy with our Haz-Insure scheme. Irrespective of whether your clients manufacture, store or transport these diverse products as their primary business, or only handle them occasionally, we can find a solution for you.



30 years’ experience in arranging bespoke cover for businesses in the hazardous goods industry

We place over £10 million of premium on behalf of brokers in the UK

Motor cover for Haz businesses available with exclusive Miles Smith extensions


This sector demands careful consideration when addressing insurance needs as higher Limits of Indemnity are required for Motor, general Third-party and Environmental risks.

In addition, we offer Motor Cover and Professional Indemnity to provide a complete solution for you and your clients.

Standard policies can leave gaps in cover which often go unidentified until a loss occurs. For example, the loading of hazardous materials from vehicles, off road provisions or cross contamination at the delivery stage. Our specialist team are well-versed in these risks and our Haz-Insure scheme is designed to cover any gaps in the policy.

This specialist line of business is often complex, and our experts are happy to discuss risks and suggest non-standard covers for this area. Give us a call to discuss your risk.


We place insurance for a range of brokers working with a number of different HazChem businesses, some of these include:

  • Fuel distribution
  • Waste carriers
  • Hazardous haulage (inc. explosives and radioactives)
  • Drain and jetting
  • Lubricant manufacture
  • LPG distributing and decanting
  • Chemical/solvent blending and distribution
  • Tank installers and removers
  • Tank cleaners
  • Biofuel blending
  • Tank and associated equipment manufacturing


Our products can provide the cover and required extensions to help protect your clients in this area. We can provide a range of covers, some of which include:

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    Professional Indemnity

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    Contractors ‘All Risks’ and Plant

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    Liabilities: Employers’, Public, Product, Pollution, Contractual, Airside Liability, Material Damage and Business Interruption

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    Financial Loss as standard

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    Environmental Liability


We also offer Motor Cover for hazardous goods transfer, and hazardous haulage. We provide the standard cover types, and our offering includes a range of Miles Smith exclusive extensions for this specialist area.


  • Comprehensive
  • Third Party, Fire and Theft
  • Third Party Only
  • Laid Up

Exclusive Miles Smith extensions available in the following areas:

  • Hire of replacement vehicles
  • Driver Personal Accident
  • Mis delivery
  • Impounded Vehicles
  • Environmental Statutory Liability cover
  • Third Party Property Damage


We’re continuing to stride forward, but with a new appearance.

We are committed to the creation of market-leading products and the longevity of our broker partner relationships and, by extension, the growth of your business. We are maintaining our specialist products, people and service but with a fresh look and identity that visually represents how we do difficult things well.

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Broker Partner Survey Respondent
Miles Smith offer specialist products where other brokers fear to tread. They will always find ways to place difficult risks.

Broker Partner Survey Respondent

Broker Partner Survey Respondent
They have been, and will remain, my first choice in the London Market. [They provide] great service, [are] very professional and competitive.

Broker Partner Survey Respondent

Broker Partner Survey Respondent
Miles Smith are fighters who are aggressive in the marketplace to ensure their supporting brokers get the best available terms for their clients.

Broker Partner Survey Respondent

Broker Partner Survey Respondent
Excellent relationships with underwriters and always ready to assist with difficult to place risks.

Broker Partner Survey Respondent


Talk to Our Team

020 7977 4800