We are experts in arranging insurance solutions for retail businesses, working with many well-established retail clients

Operating a retail business is hard, particularly in the current climate. We work with you to ensure that you have the appropriate insurance cover and risk management methods in place to protect your business.

Retail businesses face many unique risks; therefore, you need to work with a broker who has experience arranging insurance for similar businesses. We have many years of expertise in providing insurance solutions and risk management advice to businesses in the retail sector, therefore we can save time and effort by already understanding many of the complexities of your industry. Whether you sell products through stores or online, we can arrange the insurance that is most suitable for you and your business.

    Why Miles Smith?

  • Whether you are online or on the high street, we can arrange the retail insurance cover that you need
  • Our claims process is set up to get you back to trading as soon as possible in the event of a claim
  • We look at standard liability covers as well as newer threats, such as cyber and terrorism
  • We can provide a detailed risk management review, to help identify all your risks and proactively mitigate against them

Industry solution summary
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When you operate in the retail sector, the risks you face are wide-ranging. From standard covers such as public liability and employers’ liability, to ensuring you are protected from cyber and data issues, we can work with you to put in place the correct cover. And more and more, we consider potential terrorist threats in the insurance we provide.

We also factor in other external risks in our approach, looking at increased competition, potential economic slowdowns and the ever-evolving regulatory landscape. It’s all part of having the expertise of Miles Smith on your side.

Arranging cover for just the standard insurance 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.

Who is it for?

We provide cover for all types of businesses that operate in the retail sector. Amongst others, we provide insurance cover for:

Retail Covers

Our approach to arranging insurance cover for retail businesses is tailored to your organisation, ensuring you have the cover that you need. We listen to you and take time to understand your business. The types of products we look at for UK Retail business includes:

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Retail Case Study

We were first introduced to Miles Smith in 2014 by our financiers. Miles Smith were able to demonstrate that they could streamline our Insurances and in so doing, reduce our premiums considerably. We therefore transferred to them mid-term and immediate savings were negotiated with the holdings Insurers.

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"We have dedicated loss adjusters and risk engineers/surveyors who are available to us 24/7 and, in case of employers' liability claims, there is an early dialogue to agree the best course of action in respect of defensibility or, in some cases, an agreement to the liability claim."

Group Finance Director, Belfield Group
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Employers’ Liability, Public Liability and Product Liability

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Material Damage and Business Interruption

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Buildings Insurance

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

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Directors’ and Officers’

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Legal Expenses

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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 April Finch to discuss your needs

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


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.

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.

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