Business Details
41 Years
experience
Trusted Insurance Brokers in Kelso | Wood & Ker
Established in 1985, Wood & Ker has built a reputation as a trusted independent insurance brokerage serving the Scottish Borders and Northumberland. Our team combines decades of industry experience with modern technology to deliver tailored insurance solutions for both personal and commercial clients. Specialising in farming and agricultural insurance, we provide comprehensive coverage for farm buildings, livestock, and machinery, ensuring our clients' assets are protected against unforeseen events. Our commitment to face-to-face service and local market knowledge allows us to offer personalised advice that aligns with our clients' unique needs. As authorised and regulated brokers by the Financial Conduct Authority, we maintain the highest standards of professionalism and transparency.We prioritise client relationships over corporate targets, offering free initial consultations and clear fee structures. Our expertise extends to landlord insurance, travel insurance for individuals with pre-existing medical conditions, and complex business insurance policies. By leveraging our extensive insurer partnerships, we secure competitive premiums while maintaining exceptional service quality. Our office in Kelso serves as a hub for local clients seeking expert guidance on mortgages, financial planning, and insurance products. With a focus on simplicity and accessibility, we ensure even the most complex insurance arrangements are straightforward to understand and implement.
Services
Farming Insurance
Landlord Insurance
Travel Insurance
Business Insurance
Home Insurance
Motor Insurance
Van Insurance
Professional Indemnity
Fleet Insurance
Residential Property
Details
- Year established: 1985
Highlights and features
- We offer 38 years of local insurance expertise in the Scottish Borders
- Our team provides face-to-face consultations at client premises
- Specialists in complex farming and agricultural insurance policies
- We utilise modern technology for instant, accurate insurance quotes
- FCA-authorised brokers with transparent fee structures and service guarantees
Associations and certifications
- Financial Conduct Authority
Services
Farming Insurance
Comprehensive protection for farm buildings, livestock, crops, and machinery. Tailored policies cover prize livestock, specialist equipment, and agricultural operations. Our local expertise ensures appropriate coverage for Scottish Borders farming enterprises.
Landlord Insurance
Specialised coverage for rental properties, including buildings, liability, and loss of rent protection. Policies safeguard investments while providing tenant assurance through comprehensive risk management solutions.
Travel Insurance
Policies accommodating pre-existing medical conditions and extreme sports. We provide comprehensive protection for UK residents travelling domestically and internationally, with flexible coverage options for complex requirements.
Business Insurance
Tailored protection for commercial operations including fleet insurance, liability coverage, and property protection. Specialist policies address manufacturing, retail, and professional indemnity requirements for Scottish Borders businesses.
Home Insurance
Combined buildings and contents insurance with optional add-ons. Our policies protect residential properties across the Scottish Borders, with flexible terms for standard and unique home insurance needs.
People
Steven Russell
Insurance Adviser
With 24 years industry experience since 1999 and 14 years at Wood and Ker, Steven specialises in general insurance including motor, home, and complex farm policies. He prioritises face-to-face client relationships.
Caroline Tait
Insurance Adviser
Having served Wood and Ker since 2002, Caroline offers expertise in motor, home, and agricultural insurance. Her local knowledge and client-focused approach support tailored insurance solutions for Borders residents.
Questions
What types of insurance do you specialise in?
We specialise in farming/agricultural insurance, landlord insurance, travel insurance (including pre-existing medical conditions), and complex business insurance policies tailored to Scottish Borders clients.
How do you ensure competitive insurance rates?
As independent brokers, we access the whole market to compare policies, leveraging our insurer relationships and modern technology to secure optimal premiums for clients.
Can you assist with insurance for high-risk activities?
Yes, our travel insurance covers extreme sports and medical conditions, while farming policies protect high-value assets like livestock and specialist machinery.
Are your services available locally?
Based in Kelso, we provide face-to-face consultations across the Scottish Borders and Northumberland, with home/business visits available upon request.
How are claims handled?
We guide clients through the claims process using our direct insurer contacts, ensuring prompt resolution while maintaining our FCA-regulated service standards.
Do you offer payment plans?
Yes, we provide flexible payment options including monthly direct debit instalments and major card payments for all insurance policies.
