Business Details
Your Trusted Insurance Broker in Oxfordshire
Spencerinsurance has been providing tailored insurance solutions for SMEs since 1992, with a focus on understanding the unique risks faced by businesses in Oxfordshire, Berkshire, Gloucestershire, and Wiltshire. Our approach combines personal visits to client premises with regular reviews to ensure policies evolve alongside business needs. We specialise in demystifying insurance terminology, ensuring accurate coverage calculations, and offering hands-on support during claims processes. Our commitment to a select client base guarantees direct access to our expertise without intermediaries.With over three decades of experience, we leverage membership in The Broker Network to access competitive, exclusive products while maintaining independence from insurers. Our track record includes successfully navigating complex claims for manufacturers, property owners, and service providers, ensuring business continuity after incidents. Client testimonials highlight our proactive risk identification, competitive pricing, and exceptional service continuity.
Services
SME Insurance
Engineering Insurance
Manufacturing Insurance
Commercial Property Insurance
Business Interruption Cover
Highlights and features
- We conduct on-site visits to understand your business operations
- Specialist knowledge of insurance needs in engineering and manufacturing sectors
- Annual policy reviews with periodic check-ins included in service
- Direct claims support from policy inception to settlement
- Member of The Broker Network for exclusive insurance products
Associations and certifications
- Financial Conduct Authority
What people say
Personal service
Efficient and prompt
Highly recommend
Competitive pricing
Expert risk identification
Services
SME Insurance
We provide comprehensive insurance solutions tailored to small and medium enterprises. Our service includes on-site risk assessments, policy customisation, and claims management. Covering sectors from manufacturing to professional services, we ensure appropriate protection for business assets, liability, and operational continuity. Our approach combines local knowledge with access to national insurance markets.
Engineering Insurance
Specialist insurance for engineering businesses including plant machinery, liability, and project-specific coverage. We address unique risks from power station operations to precision manufacturing. Policies include business interruption protection and tailored warranties. Our expertise ensures accurate valuation of specialist equipment and operational risks.
Commercial Property Insurance
Comprehensive protection for commercial premises including buildings, contents, and liability coverage. We address specific risks for property owners and occupiers, including leasehold requirements. Policies include business interruption cover tailored to property type and occupancy. Regular valuations ensure adequate rebuilding costs are maintained.
Business Interruption Cover
Specialist coverage protecting against income loss during operational disruptions. We calculate appropriate indemnity periods and gross profit figures to ensure recovery. Policies integrate with property and liability insurance. Our approach considers supply chain dependencies and recovery timelines specific to each business.
Claims Support
End-to-end claims assistance from notification to settlement. We guide clients through documentation requirements and insurer negotiations. Our service includes policy wording interpretation and recovery timeline management. Proactive support ensures minimal disruption to business operations during claims processes.
People
Joanne Spencer
Insurance Broker
With over 30 years' experience, Joanne Spencer provides specialist insurance advice to SMEs across southern England. Her approach combines on-site risk assessments with regular policy reviews. Recognised for resolving complex coverage issues, she maintains direct client relationships without intermediaries. Her expertise spans engineering, manufacturing, and commercial property insurance.
Questions
What areas do you cover?
We serve SMEs in Oxfordshire, Berkshire, Gloucestershire, and Wiltshire with on-site visits available across these counties.
Do you specialise in specific industries?
We focus on engineering, manufacturing, and commercial property sectors with tailored insurance solutions for each.
How are policy reviews conducted?
Annual reviews include on-site assessments with periodic check-ins to update coverage as business needs change.
What support exists for claims?
Direct claims support from policy inception to settlement with step-by-step guidance through the process.
How do you ensure policy accuracy?
On-site visits identify specific risks while regular reviews ensure coverage matches current business operations.
