From traditional houses of multiple occupancy (HMOs) to purpose built clustered apartment blocks of studio flats or larger dwellings, Miller’s Construction Practice deliver contractual advisory services and insurance solutions for each stage of purpose built student accommodation (PBSA) projects.

The on-time delivery of PBSA projects is paramount given the set start of the academic year; therefore a carefully considered insurance strategy is fundament. Our experts have extensive experience in providing clients with invaluable risk management and risk transfer options to both protect and enhance PBSA projects.

We are also at the cutting edge in this space, developing and delivering innovative products that enhance project bankability by protecting against unforeseen reductions in student demand.

Support throughout the project lifecycle

We provide support throughout the project lifecycle, including:

  • Comprehensive risk analysis
  • Understanding the contractual regime
  • Negotiation support
  • Insurance programme design
  • Insurance programme compliance
  • Programme marketing and placements

Insurance programmes

We have the experience and expertise to advise on levels of coverage, limits of indemnity, retained structures (where existing structures form part of the project), deductibles, protection of revenue stream and financial loss to help you find the most appropriate risk strategy and fit for purpose insurance programme.

Owner controlled insurance programmes

Being in control of your insurances during the construction stage is important where there are multiple stakeholder interests and a requirement to protect the debt servicing ability of the project. This can be done by arranging a project specific owner controlled insurance programme (OCIP), which provides comprehensive protection for the duration of the construction project.

Coverage includes:

  • Construction all risks
  • Delay in start up
  • Third party and products liability
  • Non-negligent liability
  • Existing structures (where relevant)
  • Terrorism

Additional coverages

The following additional coverage options are also available to owners wishing to implement a comprehensive insurance strategy for their project.

Planning phase

  • Latent defects
  • Restrictive covenants
  • Environmental impairment
  • Defects in title
  • Judicial review
  • Rights of light
  • Pollution liability


Development phase

  • Surety bonds
  • D&O liability
  • Professional indemnity

Construction phase

  • Retained estate assets
  • Cyber risks
  • Parametric weather

Operational phase

  • Personal contents insurance

Our service proposition

Industry Experts

Our specialists are leaders in their fields. With extensive expertise across all aspects of UK construction risk having operated within the industry as clients and in the London insurance market as brokers and underwriters, we understand your business inside out. This allows us to propose risk solutions to both protect and enhance your projects.

Collaboration

We work in partnership with our clients to identify and understand your problems and work together as a team to deliver solutions. We always act in your best interests, without exception. We also believe in developing tripartite relationships between ourselves, our clients and insurers. Not only does this improve communication and a shared understanding of each other’s business needs and objectives, but building close relationships with insurers has tangible benefits when faced with difficult risks or contentious claims.

Client-first service

 We place our clients at the front and centre of everything we do and believe in building long-term partnerships. Our service model, based on this ethos, is what differentiates us from our peers. Our construction team handles all core aspects of client service, including day-to-day enquiries, market broking, account handling and claims advocacy. Every team member knows your account in full and we all share the same commitment to your business.

 Proactive claims advocacy

We never overlook the importance of a prompt and helpful claims service and the peace of mind this can offer. As a result, we have built one of the strongest claims teams in the industry, where our construction claims specialists work alongside our placing brokers and technical teams for maximum efficiency.