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Commercial Insurance

Commercial Insurance Brokers

Getting the right advice and the right cover at the right price is top of every businesses tick list. That’s where we can help! No insurance jargon, just straight talking advice!

With access to many different types of commercial insurance products through the UK’s leading insurers you can be sure that we can be tailor a policy to suit your business requirements.

The term commercial insurance encompasses many different trades of business and as a leading commercial insurance brokers we understand that every business is unique in its requirements and as such we make it our business to understand your business to ensure you get the right protection in place where you need it.

We are one of the UK’s leading commercial insurance brokers, operating from our head office near Blackburn, serving commercial clients throughout Lancashire and Manchester. By referral and recommendation we work closely with clients right across the UK including Wales, Northern Ireland, Scotland and throughout England. No matter where your based we can help get you covered.
For advice, assistance or a commercial insurance quote please contact us on 01254 231 332.

Why Use a Commercial Insurance Brokers

Here at David J Miller Insurance Brokers we have secured a privileged position amongst the UK’s leading insurers over our 40+ years history.  We have independent access to a wide range of policies and schemes through the UK’s leading insurers that provide comprehensive cover at competitive rates.

Your business insurance is a task that you must get right to ensure your business is protected against any eventuality.

The main reason to have insurance in place is not for the small event that may occur, but to ensure you are fully protected should you be unfortunate enough to experience a larger incident such as major fire, flood or storm damage, theft & liability claims.

It is therefore imperative that you build a relationship with a commercial insurance brokers whom you trust to ensure that you have the right protection in place should things go wrong for you. Having a commercial insurance broker whom you can turn to for advice allows you to concentrate on running your own business.

It’s our job to ensure that no stone is left unturned and you have the right protection for your business at the right price.

If you want straight talking assistance and to avoid the commercial insurance brokers who baffle you with industry jargon then contact us on 01254 231 332 for more information or to get a commercial insurance quote.

Our commercial insurance managers are on hand to provide a first class service to source you the right policy tailored for your business. In many cases that we review we discover that the client is inadequately insured. Contact us for a free review of your commercial insurance policy.

What Can Our Commercial Insurance Brokers Advise You On?

Commercial combined insurance packages often build separate elements of insurance options into one policy package such as;

  • Employer liability insurance
    • Public and products liability insurance
    • Property owners liability
    • Directors’ and officers’ liability
    • Engineering cover
    • Business interruption
    • Commercial legal expenses
    • Tools and equipment
    • Goods in transit cover
    • Loss of contents
    • Material damage
    • Contents insurance
    • Professional indemnity insurance

Commercial insurance protects businesses from claims brought against them. It protects their employees and assets against theft, accidents and any other potential financial losses.

Whatever your business, you will benefit from having adequate insurance cover in place. When processing new business quotes and renewals, alongside providing a competitive quote we establish that there is no shortfall of cover that could potentially cause problems in the result of a loss.

Public liability provides protection for your business in the event of claims being brought against you for injury or damage to third parties

Employers liability offers cover for claims brought against the employer as a result of negligence in their duties as an employer

Combined liability consists of public & employers liability

Commercial property owners consists of buildings, landlords contents, loss of rent & property owners liability

Residential landlords consists of buildings, landlords contents, loss of rent & property owners liability

Shop package covers fixtures & fittings, stock, money, business interruption, & liabilities

Office packages covers computers and electronic equipment, fixtures and fittings, money, business interruption and liabilities

Motor trade road risk covers vehicles whilst motor trader driving on road or public place

Motor trade internal covers vehicles at business premises, stock, plant & machinery, tools, business interruption and liabilities

Goods in transit covers goods whilst being transported can have either own goods or third party with the customer being a haulier

Pubs, restaurant & hospitality packages covers fixtures & fittings, stock, money, business interruption, & liabilities

Personal accident & sickness covers incidents resulting in death, permanent disability, temporary disability, and serious illness

Professional indemnity products for small businesses and professionals covers breaches of professional duty by the policyholder, employees and any contractors working on their behalf

Fleet insurance provides protection for your company vehicles and drivers under one policy which often benefits from more competitive rates

A good commercial insurance brokers should have no problem in explaining how each of these extensions fit into your policy and affect your business.

For further information on commercial insurance please feel free to contact us.


Did you know that we are recommended small business insurance brokers throughout Lancashire & Manchester?