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L Wood & Co Ltd Insurance Brokers

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L Wood & Co Ltd Insurance Brokers

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We do not simply sell insurance policies but, through the highest quality service, assist our Clients with their insurance needs.

L Wood & Co Ltd Insurance Brokers offers an innovative, professional and highly personalised approach to the insurance and risk management needs of businesses throughout the UK. For over 50 years and our aim is to provide a complete insurance service to Industry and Commerce by arranging correct cover through leading Insurers at competitive premiums.

29/10/2026

From 30 October, employers must take "all reasonable steps" to prevent harassment of their staff – including by customers, clients and contractors.

It's not just about sexual harassment. It covers harassment more widely under the Equality Act 2010.

Our article explains what's changing and which policies to check.

Read it here: https://www.lwood.co.uk/employer-harassment-duty-30-october

01274 515747
[email protected]
www.lwood.co.uk

16/10/2026

Lithium-ion batteries are in more of your business than you might think.

E-bikes, laptops, power tools and cordless cleaning equipment all run on them. Fires are still rare, but they can start fast, leave little time to get out and cost a great deal to clean up.

London Fire Brigade attended 206 e-bike and e-scooter fires in 2025, up from 171 the year before.

Charging in a dedicated area, away from stock and escape routes, is a good place to start. Our latest article covers the rest, including what to raise with your insurer.

Read it here: https://www.lwood.co.uk/lithium-ion-battery-fire-risk-for-businesses

01274 515747
[email protected]
www.lwood.co.uk

09/10/2026

Landlords: the Renters' Rights Act has applied since 1 May 2026.

Section 21 "no fault" evictions have gone. Tenancies are now periodic, with no fixed end date. And there are stricter processes to follow when managing a tenancy.

None of that is a problem if your paperwork is in order. But where disputes do arise, they may take longer and become more complex.

Legal expenses, rent protection and loss of rent cover are all worth a look if you own or manage rental property.

https://www.lwood.co.uk/the-renters-rights-act-what-landlords-need-to-know-and-why-insurance-matters

01274 515747
[email protected]
Learn more: www.lwood.co.uk

02/10/2026

Autumn is a useful point in the year to look at weather risk.

Around 6.3 million properties in England are now in areas at risk of flooding from rivers, the sea or surface water. Add saturated ground, heavier rainfall and stronger winds, and roofs, drainage and trees all come into sharper focus.

Claims tend to show the same gaps: flood cover that doesn't match actual exposure, subsidence limits below rebuilding costs, and business interruption periods too short for modern repair times.

A review now is a good deal easier than one in January.

https://www.lwood.co.uk/autumn-risks-why-this-season-demands-extra-attention

01274 515747
[email protected]
Learn more: www.lwood.co.uk

25/09/2026

Martyn's Law, formally the Terrorism (Protection of Premises) Act 2025, received Royal Assent on 3 April 2025.

It applies to premises expecting 200 or more people. The standard tier covers 200 to 799 and centres on simple, low-cost steps. The enhanced tier applies at 800 and above.

It isn't in force yet, and there's an implementation period of at least 24 months. But the expectation is that you can show you considered the risks and documented your decisions.

If you run public-facing premises, it's worth looking at where your liability and management exposures sit.

https://www.lwood.co.uk/martyns-law-what-it-means-for-you-without-the-legal-jargon

01274 515747
[email protected]
Learn more: www.lwood.co.uk

18/09/2026

Is your buildings sum insured still based on last year's figures?

Rebuild and replacement costs have moved quickly, driven by inflation, labour shortages and supply chain delays. If your declared value is lower than the true cost of putting things right, insurers may apply "average" and reduce your settlement proportionally.

That can mean a shortfall at exactly the wrong moment.

Reviewing your sums insured, contents values and business interruption indemnity period is a straightforward place to start.

https://www.lwood.co.uk/underinsurance-why-last-years-figures-no-longer-add-up

01274 515747
[email protected]
Learn more: www.lwood.co.uk

28/08/2026

Your contractor's insurance almost certainly doesn't cover your existing building.

Their policy covers the new structure they're building, their own materials, plant and employees – not the property already standing. If your insurer doesn't know work is under way, cover on your existing building can be severely restricted at exactly the moment you need it.

Rebuild costs rose 4.9% in the year to January 2026, so a sum insured set even a year ago may already be behind where it needs to be.

Speak to us before the contractors arrive – it's far easier to arrange properly than to unpick afterwards.

Read our full guide: www.lwood.co.uk/contract-works-insurance-before-building-work-starts

01274 515747
[email protected]
www.lwood.co.uk

20/08/2026

The average vehicle repair claim reached £3,699 in the first quarter of 2026 – up 8% on the previous quarter, according to the ABI. Rising repair costs land on business vehicles just as hard as private cars.

If you run two or more vehicles, fleet insurance covers them all under one policy – one renewal date, one set of terms, and any licensed driver with permission can get behind the wheel.

You don't need to be a haulage firm to qualify – a plumbing business with three vans is covered just as readily as an operator running fifty.

Read our full guide: www.lwood.co.uk/what-is-fleet-insurance/

01274 515747
[email protected]
www.lwood.co.uk

22/07/2026

Only around half of UK SMEs have employers' liability insurance in place – despite it being a legal requirement for almost every business with staff, backed by fines of up to £2,500 a day without it.

Business insurance isn't one product. It's a collection of policies – public liability, employers' liability, professional indemnity, property and business interruption, cyber – each covering a different risk, and few businesses need all of them.

The real question isn't just do you have cover, but is it still the right size for the business you run today.

Read our full guide: www.lwood.co.uk/business-insurance-uk-what-gets-overlooked/

01274 515747
[email protected]
www.lwood.co.uk

17/07/2026

On 19 July 2022, the UK hit 40.3°C for the first time on record. Heatwaves like that are becoming a regular part of the British summer – and most homes were built to keep heat in, not out.

Prolonged heat can crack paintwork, warp roofs, and dry out the ground beneath your foundations, leading to subsidence. Watch for diagonal cracks, sticking doors and windows, and rippling wallpaper.

Home insurance covers sudden damage, not gradual wear – so staying on top of maintenance matters more than ever.

Read our full guide to protecting your home this summer: www.lwood.co.uk/protecting-your-home-from-extreme-heat/

01274 515747
[email protected]
www.lwood.co.uk

Address

4 Aire Valley Park, Wagon Lane
Bingley
BD161WA

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Telephone

+441274515747

Website

http://www.lwood.co.uk/

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