Freight demurrage and defence (FD&D) cover is available from another Thomas Miller managed club, the UK Defence Club. It provides cover to shipowners and operators for legal and other costs incurred in relation to disputes that are uninsured.

Examples include hire and re-delivery disputes, newbuilding disputes with shipyards, sale and purchase disputes, bunker contamination claims, disputes over the safety of ports or berths, slot charter disputes, oil major and other ship vetting disputes and disputes with agents, brokers or indeed other underwriters.