Hazardous Goods

Standard insurance policies do not offer the necessary levels of protection for businesses working with hazardous goods

We specialise in arranging insurance cover for high-risk industries, and we have over 50 years of experience working with businesses that operate in the fuel, hazardous goods, chemical or environmental sector. Working with hazardous goods is a complex process and as a result is heavily regulated. Therefore, it is vital that you work with an insurance broker that understands your industry, the regulatory environment and the risks you face, so they can tailor your insurance programme accordingly. So, whether you manufacture, store or transport hazardous goods, chemicals or fuel, we work with you to arrange an insurance programme that is appropriate for your business.

    Why Miles Smith?

  • We specialise in difficult to place risks and have long-standing relationships with a large range of speciality insurers to place your business with
  • We have over 50 years’ experience in arranging bespoke cover for businesses in your industry
  • We are members of the UK and Ireland Fuel Distributors Association (UKIFDA)
  • We can carry out a confidential review of your current insurance provision to ensure there are no gaps in cover

Industry solution summary
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Why work with Miles Smith?

Businesses that work with hazardous or chemical goods or fuel will generally need higher than normal limits of indemnity for motor insurance policies, third party insurance cover and environmental risks. We can carry out a confidential review of your current insurance provisions to identify if you have any gaps in cover. During this review, we meet with you to understand your business and to ensure we have a comprehensive overview of the risks you face, before providing recommendations for your insurance solution and the risk management programme to protect your business.

Our experience has taught us that all too often businesses who operate with hazardous goods, chemical goods or fuel have gaps in their insurance cover which often go unidentified until a claim occurs. Our approach is to ensure that, wherever possible, this never happens, providing that all-important peace of mind that allows you to focus on running your business.

Who is it for?

Hazardous waste Those companies involved in collection, storage, treating and disposal of hazardous waste, whether it be dry or wet waste.
Hazardous goods transportation / haulage Those companies involved in the storage and/or distribution of any amount of hazardous goods.
Chemical manufacturing & blending Those companies involved in chemical manufacturing and/or blending, storage and/or distribution.
Fuel distribution Those companies involved in storage and/or distribution of fuel including LPG.
Liquid waste carriers Those companies involved in collection, storage, treating and disposal of liquid waste.
Environmental risks Those companies involved in the spill response, project management, investigation and remediation.
Drain cleaning and water jetting Those companies involved in drain cleaning and any form of high-pressure water jetting.
Tank cleaners Those companies involved in tank cleaning whether external or internal including use of breathing apparatus.
Any other trade Those companies connected to fuel, hazardous goods, chemicals & environmental.

Hazardous Goods Covers

Our approach to arranging insurance solutions for businesses operating in the hazardous goods, chemical, fuel and environmental sector is tailored to your organisation. We very rarely find that one solution fits all, especially in such a diverse sector. So, we take the time to understand your business and arrange the insurance cover that you need. Some examples of the types of covers we consider for businesses that operate in the hazardous goods sector includes:

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Hazardous Goods Case Study

Miles Smith was asked by a medium sized hazardous waste contractor to undertake a review of their current insurance portfolio.

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“I have dealt with Miles Smith for a number of years now, and am very grateful for the advice together with the support given. Prior to their involvement, I had suffered a deteriorating claims experience and through various Risk Management guidance, including the fitting of cameras, my experience has radically improved. I now regard them as part of my team, and look forward to working with them in the years ahead”

Manjit Nandra
Director, Beeches Recovery
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Call Ian Peach to discuss your needs

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


Does my trade fit within Miles Smith's appetite?

Please call us to discuss your specific needs and we will be happy to assist.

Who controls our spillage response?

Miles Smith has partnered with a UK leading loss adjuster, Davies Group, to manage any incident involving spillage or potential spillage. Davies has service agreements with a prominent number of UK spill companies and one of the leading specialists in inland oil spill response & remediation.

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