Business interruption – Wage roll and gross profit

Employee wages represent a significant expense for most businesses and, therefore, have a major bearing on gross profit sum insured calculations.

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Caravan Lodge Insurance

The insurance is designed to protect you against the risk of things happening suddenly which you could not have expected, such as fire, theft, flood, storm and damage by vermin. It is not designed to protect you against losses that arise due to the gradual deterioration or poor maintenance of your holiday home.

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Private Medical Insurance

Private Medical Aid is designed to cover the costs of private medical treatment for a disease, illness or injury that are likely to respond quickly to treatment, aiming to return you to the state of health you were in immediately before suffering the disease, illness or injury, or which leads to your full recovery.

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L Wood
Insurance Brokers

Building a long-term, mutually beneficial business relationship, by constantly exceeding our Clients’ expectations.

Professional Indemnity

Professional Indemnity insurance will cover expenses incurred in your defence if you are alleged to have provided inadequate advice, services, design or specification resulting in your client suffering as a result.

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Welcome to L Wood & Co Insurance Brokers

L Wood & Co Ltd offers an innovative, professional and highly personalised approach to the insurance and risk management needs of businesses throughout the UK.

We have been trading for over 60 years and our aim is to provide a complete insurance service to Industry and Commerce by arranging correct cover through leading Insurers at competitive premiums. We do not simply sell insurance policies but, through the highest quality service, we buy Insurance on behalf of our clients based solely on their needs.

DIRECTORS & OFFICERS Liability

Personal protection for directors, officers and management against a range of civil, criminal and regulatory proceedings.

Business Interruption

How to keep your business going after a loss.

Private Medical

Private Medical Aid is designed to cover the costs of private medical treatment for a disease, illness or injury that are likely to respond quickly to treatment.

Risk Management

Risk managment

No matter what size your business is or whatever your activities are, effective Risk Management is crucial in order to protect from harm.

High Net Worth

Allow us to find a robust and reliable home insurance policy that meets the unique needs of your property and its contents.

Cyber Liability & Financial Crime

The dramatic increase in the number of cyber-attacks and financial fraud to businesses throughout the UK has never made cyber insurance more necessary.

Talk to a member of our team today on 01274 515747

Call now to discuss your insurance requirements with one of our brokers.

When my business suffered a significant fire in one of our machines, both our brokers, L Wood & Co and insurers, RSA, responded quickly and provided me with expert advice and support. Thankfully L Wood had recommended the use of a Loss Assessor who helped us with the claim negotiation and within a few weeks we have our business back running as normal again with the purchase of a new machine and all other associated issues swiftly resolved enabling us to avoid any disruption to our customers. I would like to thank our Insurance Brokers, RSA Insurance and the Loss Assessor for helping settle this claim as swiftly and as painlessly as possible.

Steve Hollis, Managing Director
In an industry that is somewhat confusing with ever changing regulations, Tom and Kevin at L Wood & Co Ltd have consistently provided excellent advice on the levels of insurance we require. As a global company with offices across the world, our insurance requirements are specialised and they have always provided excellent service and good advice. I have no doubts in recommending L Wood to anyone that requires a tailored insurance programme.

Vicki Horsfield, Financial Director
We have continuously insured our commercial, property and motor fleet policies with L Wood & Co Ltd for over 3 years and have always been very impressed with the reliable and bespoke service they provide. Tom Wood and his team combine personality with flair and imagination. They take the time to meet with us at renewal to ensure that if there are any changes in the business that the correct level of cover is applied. I would not hesitate in recommending L Wood & Co Ltd and its services to other businesses. We have a high level of confidence in Tom and his team and should the worst happen we feel comforted that they would be there to assist us every step of the way.

Managing Director of a Medical Company
The L Wood and Co Team are everything that you could want in an insurance brokerage. They provide great personalised service at very competitive rates. Over the past 12 years this team has kept up with my ever changing needs for our business insurance. The real test of an insurance Broker is when you have a claim. When the worst happened and we needed to look to L Wood to support us through the claim process they really looked after us. They made what could have been a nightmare into a much nicer experience, given the circumstances. Both Kevin and Tom Wood have such extensive experience in working with my industry type that I would not hesitate in recommending their services to others.

Managing Director of an Engineering Company
The ever changing world of insurance is complex and L Wood & Co Ltd have consistently provided the correct advice on the levels of insurance required for many years together with an excellent claims service. Being a family business gives them a “down to earth” approach and their assistance has been greatly appreciated. We are more than happy to recommend them.

Roger Thompson, Partner at BHP Clough & Company LLP Accountants
With excellent customer service and knowledge of the education sector, I am very pleased with using L Wood & co as our broker. They provide a professional and personal approach and are very responsive. Their help and advice with regards to claims especially during the recent period has been valuable and I would recommend Kevin, Tom & the team to any other school or business.

The Bursar, Bradford Grammar School
Our school have used L Wood for many years and always receive an outstanding service. The customer care and support given is excellent, with adhoc queries being dealt with as thoroughly as the annual insurance renewal. The team are always happy to engage with us and provide comprehensive insurance options with detailed explanations to help us understand the complex issues.

The Bursar, Ghyll Royd School
"I just wanted to say how helpful the team is with regards the claims. I call them regularly with awful car related incidents and other queries and they're always great! The team simplifies everything and makes life so much easier for me. Just wanted to give some positive feedback."

Julie Howard

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7th July, 2026

On 19 July 2022, the UK passed 40°C for the first time since records began, with 40.3°C recorded at Coningsby in Lincolnshire. Heatwaves that once felt like a rare event are becoming a regular feature of the British summer – and our homes, built to hold warmth in rather than keep it out, are starting to feel the strain. In Read More…

The autonomous vehicle revolution: Are your fleets ready for 2026?

1st May, 2026

The UK is standing on the brink of a transport revolution. By 2026, fully autonomous vehicles (AVs) will begin appearing on British roads following the landmark Automated Vehicles Act 2024. This legislation sets out a clear framework for safety, liability and operational standards, positioning the UK as a global leader in self-driving technology. The fundamental question for businesses, particularly those Read More…

Cybercrime: The silent threat to UK SMEs and how to fight back

17th April, 2026

Cybercrime is a pervasive and growing threat that affects businesses of all sizes. UK Government data shows that 43% of businesses faced a cyber breach last year, demonstrating that small and medium-sized enterprises (SMEs) are not too small to be targets. Ransomware pressure is also rising, placing boards on notice. The state of UK cyber risk Prevalence and attack vectors Read More…

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