The Portmarnock Group Limited
Security company
£50,000Approximate insurance cost saving
Oak helped The Portmarnock Group Limited save approximately £50,000 on insurance and move from an arrangement lasting three years to a policy lasting 12 months.
Specialist commercial insurance broker
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 suitable cover.
16 years in insuranceDirect broker contactUK-wide service
01
Personal serviceSpeak to the broker handling your account.
02
03Specialist experienceFocused on complex commercial risks.
Regulated networkGauntlet Risk Management Ltd, FRN 308081.
04
Claims supportHelp presenting covered claims to insurers.
Insights & Blog
Latest Insights
Practical guidance on commercial insurance, written for business owners.
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Manufacturing insurance: a practical guide for UK makers and engineering firms
A practical guide to factory, machinery, stock, product liability, business interruption and supply chain insurance for UK manufacturers and firms.
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Commercial property underinsurance: why rebuild value matters
Understand commercial property rebuild values, professional valuations, average clauses and business interruption before your next renewal for owners.
- Motor fleet
Motor fleet renewals: a practical checklist for UK businesses
Prepare vehicle, driver, use, claims and risk control information early to make a clearer UK motor fleet insurance renewal submission for operators.
All insurance services
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.
Specialist route
Security Guarding, Events and Door Supervision Insurance
Specialist insurance advice for guarding, door supervision, events, keyholding and security businesses across the UK.
Explore coverSpecialist route
Fire Safety Consultants Insurance
Insurance advice for fire risk assessors, fire engineers, consultants and businesses producing life safety reports.
Explore coverSpecialist route
Fire and Security Contractors Insurance
Cover for firms installing, maintaining and commissioning alarms, CCTV, access control and life-safety systems.
Explore coverSpecialist route
Commercial Property Insurance
Insurance for commercial buildings, portfolios, blocks, mixed-use property and unusual construction across the UK.
Explore coverSpecialist route
Listed Property Insurance
Listed building insurance for UK owners of homes and commercial heritage property. Review reinstatement, occupancy and repair needs with Oak.
Explore coverSpecialist route
Motor Fleet Insurance
Fleet insurance advice for cars, vans and mixed commercial vehicle fleets across the UK.
Explore coverSpecialist route
Tanning Salon Insurance
Oak Sunbed Insurance can offer UV treatment liability up to £1 million, subject to underwriting and policy terms. Discuss equipment, premises and staff cover.
Explore coverSpecialist route
Manufacturing Insurance
Insurance advice for UK manufacturers, engineering firms, fabricators, processors and product businesses, built around their sites, machinery, people, products and supply chains.
Explore cover09
Waste and Recycling Insurance
Broker-led insurance advice for established waste and recycling businesses, from collection and sorting to processing, storage and carriage.
Explore cover10
Commercial Property Portfolio Insurance
Insurance advice for commercial property investors with multiple sites, warehouses and mixed tenancies, covering reinstatement, rent loss and schedules.
Explore cover11
Hard-to-Place Business Insurance
Hard-to-place business insurance guidance after a decline, non-renewal or cancellation. Prepare clear records and a fair presentation for a fresh review.
Explore cover12
Professional Indemnity Insurance
Professional indemnity advice for consultants, contractors and specialist service businesses.
Explore cover13
Trades & Contractors Insurance
Liability, contract works, tools and professional cover for specialist trades and contracting businesses.
Explore cover14
Business Insurance
A considered combination of property, liability, interruption, cyber and management covers for UK businesses.
Explore cover15
Microbrewery, Distillery and Brew Pub Insurance
Commercial insurance advice for UK microbreweries, distilleries and brew pubs, including production, stock, premises and visitor exposures.
Explore cover16
Commercial Combined Insurance
A coordinated insurance programme for eligible businesses combining property, liability, interruption and other commercial covers.
Explore cover17
Landlord and Property Insurance
Landlord insurance advice for UK commercial and residential property owners. Review buildings, tenants, liability, rent and vacancy conditions with Oak.
Explore cover18
Office and Shop Insurance
Office insurance for UK businesses and shops. Review premises, contents, stock, customers, staff and interruption cover with an Oak broker.
Explore cover19
Tradesmen Insurance
Insurance for UK tradespeople and small contractors, with liability, tools, materials and contract work considered around declared activities.
Explore cover20
Motor Trade Insurance
Insurance advice for eligible motor traders, including sales, servicing, repair, vehicle custody and road-risk exposures.
Explore cover21
Blocks of Flats Insurance
Buildings insurance advice for blocks of flats, freeholders, managing agents and residential property companies.
Explore cover22
Nursing Home and Care Home Insurance
Commercial insurance advice for nursing homes and care homes, considering property, liability, staffing and continuity risks.
Explore cover23
Marine and Boat Insurance
Commercial boat insurance for UK operators, with marine cover considered against vessel use, operating waters, crew and equipment.
Explore cover24
Unoccupied Property Insurance
Insurance advice for vacant commercial and residential buildings, including risk controls and insurer conditions during unoccupancy.
Explore cover25
Holiday Home Insurance
Insurance considerations for UK holiday homes, second homes and short-term lets, including occupancy and guest use.
Explore cover26
Public Liability Insurance
Consider public liability insurance for UK businesses, contractors and firms that work with the public, with cover matched to your actual activities.
Explore cover27
Employers' Liability Insurance
Discuss employers' liability insurance for UK businesses, including employee roles, payroll, temporary workers and subcontractor arrangements.
Explore cover28
Cyber Insurance
Review cyber insurance for UK businesses, including incident response, data liability, system restoration and interruption, subject to policy terms.
Explore cover29
Hospitality and Leisure Insurance
Insurance considerations for UK hospitality and leisure businesses, including premises, guests, staff, stock, equipment and interruption risks.
Explore cover30
Waste Transfer Station and Recycling Facility Insurance
Waste transfer station insurance guidance for MRFs and recycling facilities. Review fire separation, stock levels, battery risks and permit limits.
Explore cover31
Scrap Metal Dealer and Processor Insurance
Scrap metal dealer insurance guidance on stock values, hot work, gas cylinders, batteries, vehicles in custody and liability.
Explore cover32
Skip Hire Insurance
Skip hire insurance for UK operators and skip lorries. Review motor, liability, skips and depot risks with Oak, subject to insurer acceptance and policy terms.
Explore cover33
Recycling Insurance After Claims or a Declined Renewal
Recycling insurance after claims, hazardous stock events or non-renewal. Prepare a clear chronology, evidence of improvements and renewal records.
Explore cover34
Precision Engineering and Metal Fabrication Insurance
Precision engineering insurance for UK metal fabricators and CNC firms. Review critical machines, customer property, tolerances, design and liability.
Explore cover35
HGV Haulage and Fleet Insurance
HGV fleet insurance for established UK hauliers. Review motor, goods in transit, haulier's liability, depots and interruption with Oak.
Explore cover36
Warehousing and Distribution Centre Insurance
Warehouse insurance for UK distribution businesses. Review own and customers' goods, warehousekeepers' liability, handling equipment and interruption.
Explore cover37
Construction Plant Hire Insurance
Insurance advice for UK plant hire companies with excavators, cranes and telehandlers: owned and hired-in plant, wet and dry hire, off-hire, theft and liability.
Explore cover38
Renewable energy installer insurance
A careful guide to insurance questions for UK renewable energy installers: liability, design, workmanship, contract works and the limits of each policy.
Explore cover39
Solar panel installer insurance
Insurance considerations for UK solar PV installers: roof work, electrical risk, workmanship exclusions, generation guarantees and contract works.
Explore cover40
EV charger installer insurance
What UK EV charger installers should discuss with a broker: electrical liability, groundworks, third-party sites, commissioning and contract terms.
Explore cover41
Battery storage insurance
Two distinct pathways: liability for domestic and SME battery installers, and the separate construction and operational route for commercial BESS owners and operators.
Explore cover42
Heat pump installer insurance
Insurance questions specific to heat pump installers: refrigerants, hot work, commissioning, water damage and design sizing.
Explore cover43
Cladding remediation contractor insurance
Cladding remediation insurance review for UK contractors. Discuss exclusions, building height, materials, surveys, design and historic exposure, subject to underwriting.
Explore cover
Security companies
Core specialism
Security company insurance built around the work you actually do.
Manned guarding, door supervision, keyholding, mobile patrol, CCTV and close protection each carry distinct liability and contractual exposures. We explain your activities clearly when approaching insurers.
Public & employers' liabilityContractual liability & inefficacyFidelity, keys & wrongful arrestProfessional indemnity & cyber
Explore security insurance Fire safety & property
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 gather the information insurers need before approaching them.
Professional indemnity for fire safety workFire & security contractor coverCommercial & listed building insuranceProperty loss of rent & reinstatement
Fire safety & property
Results and reputation
Client success stories
Google reviews
Google rating checked 19 October 2026. The rating and review count may change.
“Oak Insurance Brokers were able to help me get a great deal on property insurance when I was struggling to get quotes from elsewhere.”
Tom BlacktopGoogle reviewerGoogle review excerpt “Josh took the time to understand my needs in detail and offered tailored advice that felt genuinely personalised.”
Sam ZarembskiGoogle reviewerGoogle review excerpt “Josh at Oak Insurance Brokers helped our business with Fleet Insurance for work vehicles along with full liability cover for our high-risk line of work.”
Matthew DurantPlant & machinery training businessGoogle review excerpt
Insurance market access
Finding the right insurance market starts with understanding the risk.
Oak gathers the detail insurers need first, then approaches the insurance markets that appear appropriate for the business. Cover is never guaranteed: insurer acceptance, terms and conditions apply.
Oak Brokers Limited, trading as Oak Insurance Brokers, is an appointed representative of Gauntlet Risk Management Ltd (FCA firm reference number 308081). Gauntlet Risk Management Ltd is the regulated principal firm, not an insurer.
Discuss your renewalFor UK sunbed and tanning salons
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
Why Oak
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.
Joshua BellFounder & commercial insurance broker
16 years working in insurance.
Built around personal broking
Commercial experience without the corporate runaround.
Joshua Bell, Oak's founder, has worked in insurance for 16 years. 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.
Read the full storyThe Oak process
Clear 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.
Speak directly to Oak
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.