Business Details
41 Years
experience
Your Trusted Insurance Partner in Kelso
Established in 1985, Wood & Ker has built a reputation as a trusted independent insurance broker serving the Scottish Borders and Northumberland. Our team combines decades of industry experience with a commitment to personalized service, offering tailored insurance solutions for both personal and commercial clients. Specialising in farming and agricultural insurance, we provide comprehensive coverage for farm buildings, machinery, crops, and livestock, addressing the unique needs of rural businesses. Our modern technology enables efficient online quotations while maintaining the value of face-to-face advice, ensuring clients receive both convenience and expert guidance.As authorised and regulated brokers under the Financial Conduct Authority (reference 458251), we prioritise transparency, competitive pricing, and long-term client relationships built on trust. Our services extend to home, travel, landlord, and business insurance, with flexible payment options including monthly direct debit instalments. With deep local knowledge and a focus on client-centric service, we continue to deliver reliable protection that meets evolving insurance requirements.
Services
Farming Insurance
Home Insurance
Travel Insurance
Landlord Insurance
Business Insurance
Motor Insurance
Van Insurance
Professional Indemnity Insurance
Fleet Insurance
Residential Property Insurance
Details
- Year established: 1985
Highlights and features
- We have over 35 years of experience serving the Scottish Borders and Northumberland.
- Our team provides face-to-face advice tailored to individual client needs.
- Specialists in farming and agricultural insurance with industry-specific expertise.
- We use modern technology for instant quotes while maintaining personal service.
- Authorised and regulated by the Financial Conduct Authority for compliance and trust.
Associations and certifications
- Financial Conduct Authority
Services
Farming Insurance
Comprehensive protection for farm buildings, machinery, crops, and livestock. Designed for farmers requiring tailored policies covering tractors, quad bikes, prize livestock, and outbuildings. Ensures business continuity during unexpected events while addressing sector-specific risks through expert underwriting.
Home Insurance
Buildings and contents coverage for residential properties. Includes protection against fire, theft, and accidental damage with optional add-ons for high-value items. Policies can be customised for standard homes or unique properties requiring specialist valuations and rebuilding cost assessments.
Travel Insurance
Global travel protection including medical emergencies, trip cancellations, and lost luggage. Specialises in policies for pre-existing medical conditions and adventure sports. Provides 24/7 emergency assistance and covers extreme activities where standard insurers decline coverage.
Landlord Insurance
Protection for buy-to-let properties including buildings, contents, and liability risks. Features optional loss-of-rent coverage and tenant default protection. Designed to safeguard investment properties while meeting regulatory requirements for tenant-occupied dwellings.
Business Insurance
Multi-risk policies for SMEs covering liability, equipment, and operational continuity. Includes fleet insurance, professional indemnity, and premises protection. Tailored for sectors like retail, manufacturing, and professional services with flexible terms for varying business sizes.
People
Steven Russell
Insurance Adviser
With 17 years' experience at Wood and Ker, Steven specialises in general insurance including motor, home, and complex business cover. He focuses on face-to-face client relationships, leveraging sector knowledge to provide tailored solutions for personal and agricultural clients.
Caroline Tait
Insurance Adviser
Caroline has served Wood and Ker clients since 2002, offering expertise in motor, home, and business insurance. Her local knowledge and commitment to personalised service make her a trusted adviser for farming and residential clients across the Borders region.
Questions
How do you find competitive insurance rates?
We access whole-of-market insurance products and use advanced technology for instant comparisons, ensuring optimal coverage at competitive premiums without compromising service quality.
Can I get travel insurance with pre-existing medical conditions?
Yes, our travel policies specifically accommodate pre-existing conditions and extreme sports, providing coverage where standard insurers typically exclude these risks.
What farming insurance coverage do you offer?
We provide comprehensive agricultural insurance covering farm buildings, machinery, livestock, and crops, including specialist policies for prize animals and harvesting equipment.
Do you offer flexible payment options?
Clients can pay via major debit/credit cards or spread costs through monthly direct debit instalments for most insurance products.
Are you regulated by financial authorities?
Yes, we operate as authorised insurance brokers regulated by the Financial Conduct Authority (reference 458251), ensuring compliance with strict financial standards.
