Business Details
Bespoke SME Insurance Solutions in Oxfordshire
Spencerinsurance has built a reputation for delivering tailored insurance solutions to SMEs across Oxfordshire, Berkshire, Gloucestershire, and Wiltshire. Our approach centres on understanding the unique risks each business faces through site visits, annual reviews, and ongoing dialogue, ensuring policies reflect individual operational needs. With over three decades of experience, we specialise in sectors including engineering, manufacturing, and commercial property, offering expert guidance on business interruption cover, liability insurance, and claims management.Our FCA authorisation underscores our commitment to regulatory compliance and client protection. We differentiate ourselves through a personal service model where clients work directly with Joanne Spencer, who guarantees continuity, transparency, and advocacy throughout the policy lifecycle. Testimonials highlight our ability to secure competitive rates while maintaining deep industry knowledge and responsiveness, particularly for complex risks like power station operations or international supply chains.
Services
SME Insurance
Engineering Insurance
Manufacturing Insurance
Commercial Property Insurance
Business Interruption Cover
Highlights and features
- We provide face-to-face consultations to understand your business risks
- Specialist knowledge in engineering, manufacturing, and commercial property insurance
- Annual reviews and periodic check-ins ensure policies stay current
- Direct support from Joanne Spencer throughout the claims process
- FCA-authorised for regulatory compliance and client protection
Associations and certifications
- Financial Conduct Authority
What people say
Personal gateway into insurance
Efficient and prompt service
Understands business needs
Competitive cover
Highly recommend
Services
SME Insurance
Tailored insurance packages for small and medium enterprises across multiple sectors. We assess operational risks through site visits to create policies covering liability, property damage, and business interruption. Clients benefit from direct access to Joanne Spencer for policy adjustments and claims support, with testimonials highlighting our ability to handle complex requirements like international supply chain risks.
Engineering Insurance
Specialist protection for engineering firms including machinery breakdown, contractors' all risks, and product liability coverage. Our expertise extends to high-risk environments like power stations, with policies designed to minimise downtime through comprehensive business interruption clauses. Regular policy reviews ensure alignment with evolving project specifications and regulatory standards.
Manufacturing Insurance
Customised insurance solutions addressing manufacturing-specific risks such as plant and machinery damage, stock protection, and supply chain disruptions. We help businesses calculate accurate gross profit figures for business interruption claims, preventing underinsurance. Our local presence enables rapid assessment of production facilities to identify unique risk factors.
Commercial Property Insurance
Protection for commercial buildings and contents against fire, flood, and theft. Policies include optional extensions for loss of rent and alternative accommodation costs. We specialise in hard-to-place risks like leasehold property insurance, with recent case studies demonstrating successful coverage for unique premises such as cycling parks and creative studios.
Business Interruption Cover
Financial protection against income loss following insured events, with policies tailored to recovery periods and supply chain dependencies. We assist clients in calculating accurate indemnity periods and gross profit figures. Case studies show successful claims management for businesses with complex operational structures, ensuring minimal disruption to cash flow.
People
Joanne Spencer
Insurance Broker
FCA-authorised broker with over 30 years' experience providing tailored insurance solutions for SMEs. Specialises in engineering, manufacturing, and commercial property sectors across Oxfordshire and surrounding counties. Maintains direct client relationships through annual reviews and site visits.
Questions
What types of businesses do you specialise in?
We focus on SMEs in engineering, manufacturing, and commercial property sectors, though our experience extends to niche areas like power station operations and creative industries.
Which areas do you cover?
Our primary service areas are Oxfordshire, Berkshire, Gloucestershire, and Wiltshire, with additional support available for clients with multi-site operations across the UK.
How does the claims process work?
We provide end-to-end support, from documentation preparation to insurer negotiation, leveraging our local knowledge to expedite settlements while maintaining business continuity.
Do you review policies regularly?
Yes, we conduct annual reviews and periodic check-ins to ensure coverage aligns with evolving business needs and risk profiles.
Are your insurance quotes competitive?
As an independent broker, we access exclusive products from multiple insurers to secure competitive rates without compromising coverage quality.
Can you handle complex insurance requirements?
Our case studies demonstrate success with high-risk scenarios including international supply chains, leasehold properties, and specialist manufacturing processes.
