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.



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

Established London Market relationships

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:

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


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 Impairment 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:

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


Get in touch with our Broker Relationship Management Team to find out more about our offering.