We understand the strong values that underpin Co-operative businesses that make you unique

As Co-operatives are unique organisations your business needs are often far different from those of a PLC. We’ve been serving this distinctive market for over 10 years and we combine our experience with an adaptive approach to arranging insurance solutions, tailored to the needs of each organisation we work with.

We take the time to listen and work with you to understand your objectives before we create your bespoke insurance solution and provide risk management advice to protect your business.

    Why Miles Smith?

  • We are the appointed insurance broker for Co-op’s business insurance
  • We are a Chartered Insurance Brokers, demonstrating our commitment to always putting our clients first
  • Our team has over 10 years of experience in arranging insurance cover for Co-operatives
  • We share many of the same values as Co-operative businesses, as well as a commitment to outstanding customer service

Industry solution summary
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Our experience has taught us that the insurance requirements of Co-operatives are wide-ranging and ever-evolving. From traditional liability products that protect employers, employees and the general public, to more modern day needs such as cyber insurance and terrorism cover, we take the time to understand your business’ unique position before providing a bespoke insurance solution to protect you. Arranging cover for just the standard products can seem like a sensible commercial decision, but it may leave you exposed.

Take cyber-attacks as one example, according to the government, 81% of large businesses and 60% of small businesses suffered a cyber-attack in the last year. With the average costs for cyber-attacks running into the hundreds of thousands of pounds, it is vital that you work with an insurance broker who understands these risks and can arrange suitable protection and advise on appropriate risk management solutions to ensure your business is covered against this risk.

Co-operatives Covers

We tailor our insurance solutions to each Co-operative we work with. We work with you and your business to understand your organisation, which enables us to arrange an insurance solution and risk management programme which best protects your business. The types of products we consider for Co-operatives includes:

Chelmsford Star thumbnail

Chelmsford Star Case Study

"It makes things a lot easier, particularly when insurance isn’t your area of expertise. You want someone who understands how you’re set up, the way your board is, how you have to get things approved, and that you’re commercial, but do have other aspects."

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"We had used other brokers in the past. I'd say Miles Smith are more proactive. They'll look into things for you, chase things up, whatever needs to be done they make it very easy. We have a great relationship with Alan Tattler and his team both with regards to underwriting, claims and risk management. The service we receive is excellent."

Lisa Waghorn
Chief Financial Officer, Chelmsford Star
Employers’ Liability, Public Liability and Product Liability icon

Employers’ Liability, Public Liability and Product Liability

If you have employees then it is a legal requirement that your business must purchase...

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Motor Fleet icon

Motor Fleet

Motor Fleet cover is recommended for businesses that operate with a number of vehicles that...

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Material Damage and Business Interruption

At Miles Smith we are constantly evolving our insurance offering to meet the needs of...

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Buildings Insurance icon

Buildings Insurance

Buildings Insurance protects your business’s property should it be damaged by fire, flood, burst pipes...

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Contents and Stock icon

Contents and Stock

If there was an incident at your business premises and you lose stock, equipment and...

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Contingency icon


Contingency cover protects you financially should you suffer losses from an issue with an event....

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Crime icon


The impact of fraud can be wide-ranging. Crime cover helps protect you from both internal...

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Trustee Indemnity icon

Trustee Indemnity

Trustee Indemnity cover offers protection for trustees and their charities in the event of a...

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Cyber icon


A cyber policy is designed to provide support and protect your business if it is...

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Legal Expenses

Legal Expenses cover is provided as an extension to a number of policies and is...

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Professional Indemnity icon

Professional Indemnity

Professional Indemnity, sometimes referred to as PI, provides financial support for legal costs, as well...

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Terrorism icon


Terrorism is now a very real and meaningful threat to many businesses. Attacks by small...

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Call Alan Tattler to discuss your needs

Our team are experts in arranging insurance solutions for your industry.


Where is Miles Smith located?

Miles Smith’s head office is based in the City of London, the address is: One America Square, 17 Crosswall, London, EC3N 2LB. There are two additional offices, one in Ampthill, Bedfordshire and one in Sudbury, Suffolk. However, due to COVID-19 we are currently working remotely and therefore we can conduct meetings via phone or video call.

How do I travel to Miles Smith's London office?

The nearest tube station to our London office is Tower Hill, which is on the District and Circle lines. Our office is within walking distance of Liverpool Street Station, Cannon Street Station, London Bridge Station and Fenchurch Street Station. You can also travel on the DLR to Tower Gateway.

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