At MUM, we would regard as ‘Miscellaneous’ the sorts of businesses that are unique, operate in an area with relatively few similar competitors, or where the errors and omissions risk is a minor part of the firm’s exposure.

Sometimes, as in the case of IT and media, miscellaneous businesses become a mainstream industry. There is a strong argument to treat recruitment or health and safety consultancies as professions in their own right and maybe that will soon be the case.

Examples of businesses that we would insure would include: