UK commercial insurance for businesses with more at stake.
Oak helps security companies, fire-safety professionals, contractors, property owners and fleets present complex risks clearly and compare cover with proper context.
Personal serviceSpeak to the broker handling your account.
Specialist experienceFocused on complex commercial risks.
Regulated networkGauntlet Risk Management Ltd, FRN 308081.
Claims supportHelp presenting covered claims to insurers.
Every service has its own dedicated page.
Browse Oak's full catalogue of specialist and commercial insurance routes. The priority sectors appear first; every category remains separately accessible.
Security Guarding, Events and Door Supervision Insurance
Specialist insurance advice for guarding, door supervision, events, keyholding and security businesses across the UK.
Explore coverFire Safety Consultants Insurance
Insurance advice for fire-risk assessors, fire engineers, consultants and businesses producing life-safety reports.
Explore coverFire and Security Contractors Insurance
Cover for firms installing, maintaining and commissioning alarms, CCTV, access control and life-safety systems.
Explore coverCommercial Property Insurance
Insurance for commercial buildings, portfolios, blocks, mixed-use property and unusual construction across the UK.
Explore coverListed Property Insurance
Advice for owners of listed homes, commercial heritage buildings and properties requiring specialist reinstatement.
Explore coverMotor Fleet Insurance
Fleet insurance advice for cars, vans and mixed commercial vehicle fleets across the UK.
Explore coverTanning Salon Insurance
Discuss Tanning Salon Insurance for premises, equipment, liability, products, employees and business interruption with Oak.
Explore coverManufacturing Insurance
Insurance advice for UK manufacturers, engineering firms, fabricators, processors and product businesses, built around their sites, machinery, people, products and supply chains.
Explore coverProfessional Indemnity Insurance
Professional indemnity advice for consultants, contractors and specialist service businesses.
Explore coverTrades & Contractors Insurance
Liability, contract works, tools and professional cover for specialist trades and contracting businesses.
Explore coverBusiness Insurance
A considered combination of property, liability, interruption, cyber and management covers for UK businesses.
Explore coverMicrobrewery, Distillery and Brew Pub Insurance
Commercial insurance advice for UK microbreweries, distilleries and brew pubs, including production, stock, premises and visitor exposures.
Explore coverCommercial Combined Insurance
A coordinated insurance programme for eligible businesses combining property, liability, interruption and other commercial covers.
Explore coverLandlord and Property Insurance
Insurance advice for commercial and residential property owners, landlords and mixed-use portfolios across the UK.
Explore coverOffice and Shop Insurance
Commercial insurance for offices and retail premises, including contents, stock, liability and interruption considerations.
Explore coverTradesmen Insurance
Insurance for UK tradespeople and small contractors, with liability, tools, materials and contract work considered around declared activities.
Explore coverMotor Trade Insurance
Insurance advice for eligible motor traders, including sales, servicing, repair, vehicle custody and road-risk exposures.
Explore coverBlocks of Flats Insurance
Buildings insurance advice for blocks of flats, freeholders, managing agents and residential property companies.
Explore coverNursing Home and Care Home Insurance
Commercial insurance advice for nursing homes and care homes, considering property, liability, staffing and continuity risks.
Explore coverMarine and Boat Insurance
Marine insurance enquiries for boats, commercial craft and marine-related businesses, reviewed against use, waters and vessel details.
Explore coverUnoccupied Property Insurance
Insurance advice for vacant commercial and residential buildings, including risk controls and insurer conditions during unoccupancy.
Explore coverHoliday Home Insurance
Insurance considerations for UK holiday homes, second homes and short-term lets, including occupancy and guest use.
Explore coverPublic Liability Insurance
Consider public liability insurance for UK businesses, contractors and customer-facing firms, with cover matched to your actual activities.
Explore coverEmployers' Liability Insurance
Discuss employers' liability insurance for UK businesses, including employee roles, payroll, temporary workers and subcontractor arrangements.
Explore coverCyber Insurance
Review cyber insurance for UK businesses, including incident response, data liability, system restoration and interruption, subject to policy terms.
Explore coverHospitality and Leisure Insurance
Insurance considerations for UK hospitality and leisure businesses, including premises, guests, staff, stock, equipment and interruption risks.
Explore cover
Security company insurance built around the work you actually do.
Manned guarding, door supervision, keyholding, mobile patrol, CCTV and close protection — each carries distinct liability and contractual exposures. We present the risk properly before approaching insurers.
Professional risks that reward careful underwriting presentation.
Fire-risk assessors, consultants, installation contractors and commercial property owners each carry distinct professional and property exposures. We identify the underwriting detail before going to market.
Tanning Salon Insurance
Oak helps UK sunbed and tanning salons consider suitable business insurance for premises, equipment, liability, products, employees and business interruption, subject to insurer acceptance and policy terms.
Discuss your salon
A price means very little until you understand what sits behind it.
Oak looks beyond the headline premium to the activities, wordings, limits, conditions and claims scenarios that determine whether a policy is suitable.
Better information before market
We identify the underwriting detail needed before insurers are approached.
Cover compared with context
Significant terms, exclusions, limits and conditions are considered alongside cost.
A broker who knows the account
You can speak directly to the person handling your insurance, including when a claim arises.
10+ years across broking, insurers, major distribution partnerships and insurance technology in the UK and UAE.
Commercial experience without the corporate runaround.
Oak was founded to give businesses direct access to experienced commercial insurance advice. The aim is simple: understand the business properly, present the risk accurately and explain the meaningful differences between the options.
Meet Josh and OakClear from the first conversation.
No anonymous call centre and no generic comparison journey.
- 1
Tell us about the risk
We establish the business, activities, exposures and renewal priorities.
- 2
We build the submission
Clear information gives underwriters a better basis on which to respond.
- 3
Choose with context
We explain significant differences so you can make an informed decision.
Let's get a proper view of the risk.
Tell us what you do, what needs protecting and when the policy renews. We'll take it from there.