Oakwell Insurance - UK Business Insurance Products and Services
Commercial Insurance : Business Insurance

Landlords Insurance : Liability Insurance

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Oakwell Insurance Products and Services

Please select from the range of products and fill in a form associated with the type of cover you require.

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Note: Please note that we may need to contact you via telephone to clear any uncertainties
Business Insurance
Commercial Insurance UK
Our Company specializes in comprehensive, competitively priced Business Insurance Combined Policies for Small and Medium sized (SME) businesses.

If your business is involved in the manufacturing, wholesaling, distributing, engineering or plastics industries we can arrange a bespoke low cost business insurance policy suited to your needs.

We have access to a panel of reputable UK insurance companies and are represented in the Lloyd's of London market for the more specialist risk.

In most instances we can offer insurance quotations within 24 hours from the time of the initial enquiry, however a period of 3-5 days is usually required to ensure that the widest possible insurance cover and the most competitive premium is obtained.

Our business insurance combined policies provide an extensive level of cover including:
  • Buildings
  • General contents
  • Machinery & equipment
  • Computer equipment
  • Public liability
  • Products liability
  • Employer's liability
  • Business interruption
  • Goods in transit
  • Money
  • Legal expenses
In addition to the above, it is often possible to include other areas of business insurance cover to ensure that you have a complete, insurance solution.
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Computer all risks insurance UK
We can arrange Low Cost Computer Insurance Policies which provide effective insurance protection against material loss and damage.

In addition to the basic Property cover, the insurance policy can also be extended to cover the following extensions

Additional Expenses
To cover any additional expenditure that you may incur following a loss such as the hiring of alternative computer equipment.

All Risks Cover
To cover items such as Laptops whilst they are outside of the office anywhere in the EC or the World.

Reinstatement of Data
To cover the additional expenses required to reinstate any data lost following a loss that occurs under one of the insured perils on the policy.
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Contractors all risk insurance UK
Contractors All Risks cover (CAR) provides comprehensive insurance protection to businesses carrying out building or civil engineering work regardless of whether you are acting as a contractor or principal.

Protection can be arranged on an annual open basis or on a one-off contract basis. Insurance cover will commence from the start of the project until the works are completed and handed back to the principal.

Although the extent of insurance cover varies depending on the insurer, most insurance policies will provide cover for the following:
  • All materials including temporary works
  • Site huts
  • Contractors' plant
  • Employees' tools and personal effects
  • Offsite storage
  • Speculative buildings
  • Indemnity to principal
  • Removal of debris
  • Professional fees
Common exclusions under such policies often include:
  • Existing structures
  • Defective workmanship
  • Defective design, plan or specification
  • Policy excess
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Wholesalers Insurance UK
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Manufacturers Insurance UK
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Group Personal Accident Insurance UK
If you are a Small Business, losing a member of staff following an accident could prove disastrous. You may wish to continue to pay your employee during their recovery period or you may wish to temporarily recruit a replacement member of staff. Whatever you decide, the company will inevitably suffer financially but this type of insurance policy will provide the protection that you need until your employee returns to work.

But what if you are self-employed and did not receive an income whilst you were injured?

Our insurance policies are designed to provide a wide range of cover including:
  • Weekly benefit for Temporary Total Disablement
  • Lump sum benefit for Permanent Total Disablement
  • Lump sum payment upon death or loss of limb or sight
  • Continental Scale benefits available
  • 24 hour cover or cover for occupational accidents only
  • Worldwide cover
  • Ability to include cover if you play amateur sports
We can also include cover for sickness upon request.
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Group Travel Insurance UK
If your company has employees who travel abroad regularly on business, then a Group Business Travel Insurance policy will prove the most effective way to ensure that your employees are properly covered.

Our Low Cost policies are tailored to your exact business needs, taking into account the number of employees to be covered, the frequency of travel and the types of destinations visited. This information is used to calculate a bespoke premium which ensures that you pay only for the cover that you need.

Cover for all trips, of any duration, by any member of the company to any destination.

For ease of administration, once a Group Business Travel policy is agreed and in force, it is not necessary to advise details of individual trips that fall within the scope of cover.

The key features of our policies include:
  • Medical Expenses including repatriation
  • Cancellation
  • Personal belongings and baggage
  • Personal Accident
  • Missed Departures
  • Personal Liability
  • Delayed trip
  • Money
  • Loss of passport
Our insurance policies automatically provide 24-hour Worldwide Emergency Assistance with a dedicated helpline for transportation and medical services in the event of illness or injury abroad. A personal card is issued to all insured personnel, providing immediate access in the event of a medical emergency.
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Motor Fleet Insurance UK
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Marine Single Shipment Insurance UK
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Marine Annual Insurance UK
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Insurance Packages
Shop Insurance UK
We arrange Low Cost Shop insurance polices businesses trading in the UK. Our policies provide an high levels of insurance cover at very competitive premiums.

Typically, our policies will include the following cover:
  • Buildings
  • Stock
  • General contents / fixtures & fittings
  • Tenants improvements
  • Public/Products liability
  • Employer's liability
  • Business interruption
  • Frozen food
  • Money
  • Goods in transit
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Takeaway Insurance Package UK
Our Company arranges insurance policies specifically designed for restaurants & takeaways. The policies can be adapted to ensure that your needs are met, regardless of the size of your business.

The types of cover that you should consider include:
  • Buildings
  • General contents
  • Stock
  • Frozen Food
  • Fixtures & Fittings
  • Tenants Improvements
  • Business Interruption
  • Public liability
  • Products liability
  • Employers' liability
  • Money
  • Legal expenses
  • Loss of licence
  • Goods in transit
  • Glass & shop front

Our philosophy is to reduce the inconvenience that your business may suffer following a loss. In order to do this we actively promote risk management, resulting in fewer claims and allowing you to concentrate on your business.
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Restaurant Insurance UK
Our Company arranges policies specifically designed for restaurants & takeaways. The policies can be adapted to ensure that your needs are met, regardless of the size of your business.

The types of cover that you should consider include:
  • Buildings
  • General contents
  • Stock
  • Frozen Food
  • Fixtures & Fittings
  • Tenants Improvements
  • Business Interruption
  • Public liability
  • Products liability
  • Employers' liability
  • Money
  • Legal expenses
  • Loss of licence
  • Goods in transit
  • Glass & shop front

Our philosophy is to reduce the inconvenience that your business may suffer following a loss. In order to do this we actively promote risk management, resulting in fewer claims and allowing you to concentrate on your business.
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Cafe Insurance UK
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Guest House Insurance UK
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Hotel Insurance UK
We can arrange Low Cost Guest House and Hotel insurance cover for all kinds of hotels and guest houses in the British Isles.

Our Hotel Insurance policies offer a core of standard covers. These consist of:

Contents
Providing cover for contents, stock and trade fixtures and fittings against most events with the option to include accidental damage and subsidence. Business Interruption

To protect your income if your business turnover falls after a claim. The standard indemnity period for this is 12 months but this can be extended to up to 36 months depending on how long you feel it will take for business to 'get back to normal'.

Employers Liability
To cover yourself against legal liability in respect of accidental Bodily Injury caused during the Period of Insurance to any Employee and arising out of and in the course of Employment by the Insured.

Glass
To cover breakages of sanitary fittings and glass, including the cost of boarding up if necessary. This cover includes damage to the contents of display windows and window and doorframes.

Money
To cover the loss of money while in transit to and from the bank and for a loss at your premises including whilst at the private residence of nominated persons.

Public and Products Liability
To cover yourself against legal liability for damages and reasonable costs and expenses in respect of accidental Bodily Injury to any person not in your employ and for accidental loss of or damage to their property caused by a product manufactured, repaired or serviced by yourself. In addition to the core cover, the policy can also be extended to cover the following extensions:-

Deterioration of Stock
To cover the deterioration of stock following breakdown of refrigeration units or accidental failure of the public electricity supply

Guests Effects
To cover damage to guests effects following a loss that occurs under one of the insured perils on the policy.

Loss of license
To cover depreciation in your business interests resulting from withdrawal or non-renewal of your liquor license.

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Public House Insurance UK
Our Company arranges Low Cost Public House insurance policies. The policies offer comprehensive insurance cover and can be adapted to ensure that your needs are met, regardless of the size of your business.

The types of cover that you should consider include:
  • Buildings
  • General contents
  • Stock including tobacco
  • Frozen Food
  • Fixtures & Fittings
  • Tenants Improvements
  • Business Interruption
  • Public liability
  • Products liability
  • Employer's liability
  • Money
  • Legal expenses
  • Loss of licence
  • Goods in transit
  • Glass & shop front
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Office Insurance UK
Our Company has access to a wide range of office insurance policies which we can tailor to meet your specific needs.

Our office insurance policies will generally include cover for:
  • General contents
  • Computer equipment
  • Buildings
  • Business interruption
  • Public liability
  • Employer's liability
  • Money
  • Tenants Improvements
  • Transparencies
  • Legal expenses
  • Specialist business equipment
Our office insurance policies can provide automatic insurance cover for portable computer equipment away from the office and include 24 hour claim and emergency helplines.
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Members Club Insurance UK
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Hair Salon and Barbers Insurance UK
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Surgery Insurance UK
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Home/Office Insurance UK
Many people working in the UK are operating their businesses from home which is a trend that has increased dramatically over recent years.

Although many domestic household policies can now be extended to include business equipment, these policies will not cover other insurance requirements such as public and employers' liability or business interruption.

At Oakwell Insurance we arrange Low Cost Homeworker Policies which provide a comprehensive range of cover including:
  • Computer equipment
  • General contents
  • Public liability
  • Employers' liability
  • Business interruption
  • Money
  • Goods in transit
It is also possible to cover your home buildings, contents and personal possessions so that you have a total home and business insurance solution.
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Low Cost Liability Insurance
Trademen's Liability Insurance UK
We specialise in Public, Products and Employer's Liability insurance and we have developed strategic partnerships with several major insurers and other, specialist providers.

We are able to arrange insurance cover for most types of occupation including:
  • Roofing Contractors (including the use of heat)
  • Scaffolding Contractors
  • Plumbing & heating engineers
  • Cleaning Contractors
  • Building Contractors
  • Property Developers
  • Electrical Contractors
  • Security Companies (including door security)
  • Alarm Companies
  • Employment Agencies
  • Tour Operators
  • IT Contractors
  • Painters & Decorators
  • Property Maintenance
  • Railway Workers
  • Waste Disposal Contractors
We have access to several liability insurers that specialise in providing cover for most high-risk trades. If you would like an explanation of Public and Employers' liability cover, click here
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All Other Occupations Liability Quote Request UK
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Low Cost Property Owners Insurance / Landlords Insurance
Cheap Landlords Insurance UK
At Oakwell Insurance we specialize in arranging Low Cost Landlords Insurance policies which offer comprehensive insurance cover at extremely competitive rates.

Buildings Insurance

Standard covered for buildings insurance includes damage to landlord's property as a result of:
  • Theft or Attempted Theft following violent or forcible entry or exit.
  • Escape of Water from tanks and pipes.
  • Storms, Floods.
  • Impact, Collision, Aircraft.
  • Escape of Oil and Smoke Damage.
  • Riot, Violent Disorder or Civil Commotion.
  • Subsidence, Landslip or Heave.
  • Falling Trees, Telegraph Poles, Lamp Posts.
  • Fire, Lightening, Explosion or Earthquakes.
  • Falling Radio or TV Aerials.*
Additional cover provided for landlords:
  • Property Owners Liability, covers you if someone is injured on your premises, and it could be deemed the injury was a direct result of your negligence to make the property safe.
  • Accidental Breakage of fixed glass, solar panels, sanitary fixtures and ceramic hobs. (Includes Baths and Toilets)
  • The Cost of Repairing accidental damage to oil pipes, underground water supply pipes, sewers, drains, underground gas pipes and electricity cables.
  • Increased Metered Water Charges resulting from escaped water.
  • Loss of Rent as a result of an insured peril, and/or additional costs of alternative accommodation.
  • Expenses Incurred, covers you in the event that you suffer additional expenses following damage to the building following an insured peril.
Contents Insurance

This policy provides comprehensive contents insurance cover as an extension to the 'Buildings' section of the Landlords Property Insurance policy. Additional benefits for landlords:
  • Accidental Breakage of fixed glass, solar panels, sanitary fixtures and ceramic hobs.
  • Accidental Damage to televisions, video recorders and computers.
  • The Cost of Repairing accidental damage to oil pipes, underground water supply pipes, sewers, drains, underground gas pipes and electricity cables.
  • Loss of Rent and additional costs of Alternative Accommodation.
  • Increased Metered Water Charges.
  • Fatal Injury to the insured occurring at the premises.
  • Legal Liability to the Public £1 million.
  • Theft or Attempted Theft following violent or forcible entry or exit.
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Commercial Landlords Insurance UK
We provide insurance for a wide range of commercial properties including factories, shops, office blocks or blocks of flats. We also have access to specialist policies for properties that are considered non-standard.

We make sure that our policies provide the widest cover available and are based on all risks cover including subsidence, loss of rent, property owners liability, common parts. Full all risks terrorism cover is also available for an additional premium.

We also have access to specialist policies designed for unoccupied properties. Unoccupied properties are often difficult to insure and usually, only specialist insurers agree to provide such cover.

If you own a portfolio of properties, we can arrange a single policy covering the whole portfolio. The benefits of having a single policy include reduced premiums, less administration, one common renewal date and one single premium to pay.
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Unoccupied Property Insurance UK
We can arrange cover for all kinds of unoccupied premises in the UK from domestic premises to factories and warehouses.

Typically your Unoccupied Premises Insurance policy will provide cover for the following:-.
  1. Damage by Fire, Lightning, Explosion & Aircraft
  2. Property Owners Liability
In addition to the basic cover, we may also be able to obtain cover in respect of subsidence, heave and landslip and other perils.
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Professional Indemnity Insurance

  Professional Indemnity Insurance
Cover the people at your work place.
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