The Miller Commercial Brokers Promise
We make sure we find the right policy at the right price to make sure your business, property and personal liability are fully covered and will help and support you in the event of a claim.
Miller Commercial Insurance Brokers are a local, independent insurance broker that guarantee the personal approach. We maintain a manageable portfolio of clients in Staffordshire and Derbyshire, meaning you always get a value-for-money service and our full attention.
All tradesmen from one-man bands to the largest contractors need tradesman insurance. However, the needs of each business will vary greatly so it’s important to find a product which is flexible. We have the industry contacts to find you the right cover for your business. Our tradesman products can be tailored to your needs at competitive premiums. Look to the right of the page to see the most popular covers our clients choose to include in their policies.
Our approach is to speak to you at length about the kind of work you do. We will get to know your business in some detail because it’s then that we can work out exactly what cover will benefit you. If you buy an off-the-peg tradesman insurance product you could find yourself with gaps in your cover because it isn’t designed for the way you work. This can mean that you’re paying a lot for things that you’ll never need and the things you do need have been excluded.
Some of the things we’ll ask you about include:
- How many employees do you have?
- What kind of premises do you have?
- Where do you and your employees work?
- What kind of security do you have?
- How valuable is your equipment?
- Is it important to resolve your claim quickly?
All these things are important when considering the cover that you will need and the premiums you will pay to secure it. Once we’re sure that we’ve understood your needs we’ll be in a position to give you your free, no obligation quotation. After that, the choice is yours.
Insure the tools of your trade against damage, loss or theft. You can choose whether to cover them on site, in vans for storage and / or transportation and on your own premises according to how you work.
If you have this equipment it’s because you need it. Damage, loss and theft can cause huge disruption to your work. Cover the plant you own yourself or the machinery you’ve hired in for a particular job.
Contract Work Cover
If you go out to other people’s sites as a contractor, you contract might specify a degree of liability for machinery and / or materials on the site. If you’re in this situation, contract work cover can give you security against this.
Heat Work Cover
Some types of work are more dangerous than others. Many standard Employers Liability products exclude riskier types of work in order to cut costs for employers who don’t need them. If your work includes heat work you may require enhanced cover.