About Us

Who we are…

Mi Commercial Risks is part of Lloyd & Whyte Group, providing high quality underwriting solutions to independently owned insurance intermediaries in the UK.

Our business is founded on relationships, trust and innovation, giving supporting brokers an exclusive edge to secure value for their clients. Brokers have direct access to our knowledgeable and experienced underwriting teams in London, Birmingham, Manchester and Bournemouth.

Mi Commercial Risks supports the independent intermediary, with best of breed products that offer genuine value to insurance buyers. Our product range has recently been extended with the inclusion of Embedded Cyber Risks cover in our Commercial Combined and other package covers.

We have our own online delegated authority platform, Mi Binder, to support brokers. Mi Binder is available 24/7 and takes away for brokers all the complexity and hassle traditionally associated with running delegated authority facilities.

Lloyd & Whyte Group are proud to be part of the Benefact Group – a charity owned, international family of financial services companies that give all available profits to charity and good causes.

We’re built on the idea that better business, can better lives.

Each business in our group is a specialist in its field. We’re united by a shared ambition to have a lasting positive impact on the communities we support, which has made us the fourth largest corporate donor in the UK1.

Find out more on the Benefact Group website.  

1 DSC – The guide to UK Company Giving 2021-22.

Why choose Mi Commercial Risks?

We support the independent intermediary

Knowledgeable and experienced underwriting teams based around the UK

Backed by capacity providers with strong financial ratings

Fair and consistent commission structure

We are independently owner, we are not a potential competitor for our partner brokers

All our quotations are 100% exclusive

“Best of breed” products with cover enhancements that offer genuine value

Broker Information Sheet

We can give you the edge that you need…