Telephone: 01573 225565  |   Fax: 01573 223570   

Wood and Ker Insurance

Wood and Ker Insurance are an established Insurance broker in Kelso, Scottish Borders. Established in 1985 and servicing the insurance needs of the local and surrounding areas of the Scottish Borders from our office in Roxburgh Street, Kelso. We provide friendly, personal, one to one advice and arrange insurance that best fits your needs working with the latest modern technology. We are also very happy to visit clients at their own home or business premises if required.  Wood and Ker Insurance have built up a well respected reputation in and around the Scottish Borders of providing tailored farming and livestock insurance to the agricultural industries, a wide range of landlord insurance products, as well as the more general requirements of residential and commercial insurance requirements – whether that be buildings and contents, travel insurance or motor insurance.

Steven Russell

Steven Russell has worked in the insurance industry since 1999 and has been with Wood and Ker since 2010. He has worked in different roles over the last 17 years but now his full focus is providing a top class service to existing and new clients whether it be on a personal or business basis. He reports an upsurge in people again preferring to deal on a face to face basis. Many of these people are now fed up dealing with call centres and online search portals.

He brings a wide range of knowledge and experience to Wood and Ker from various sectors of the market, however his main focus is in the General Insurance part of the business. Steven offers advice on all aspects of general insurance, from motor and home insurance, to more complicated business cover including farm and agricultural insurance. 

Caroline Tait

Caroline has been with Wood and Ker since 2002 and has worked hard over the years giving specialist and face to face advice to all her clients. She also has great experience in the motor and home insurance sectors and the more complicated business insurance needs including farm and agricultural insurance. 

Based from their office in Kelso, Steven and Caroline are happy to meet clients in the office or at their home, and pride themselves on the personal relationships they have with all of their clients. 

Growing up in the Borders means that both Steven and Caroline know the importance of a local, professional and personal service focused on the client and providing outstanding customer service.  To complement the local service we provide, we also offer access to the Mortgage and Financial service industry through Integrity IFA who have local advisers al available to advise and recommend based on clients needs. 

Wood and Ker is built on referral and repeat business and are always happy for people to pop into the office with any insurance, mortgage and financial related queries they have. 

What to expect from working with Wood and Ker

Arranging any type of insurance can be complex but we believe it should always be simple to buy. At Wood and Ker, we believe in the value of sound expert advice. Our modern technology helps assists us in completing online quotations for most types of insurance and our relationships with insurers, built up over many years, ensures that we can provide the ideal insurance cover for more complex situations.


It is my responsibility, as your adviser, to ensure that I have sourced the best and most suitable mortgage for YOU.


A face-to-face service built to create trust and concentrate on YOUR needs, not the providers targets.


FREE first consultations – any applicable fees thereafter are discussed and agreed prior to any commitments being made.

Independent Financial Advice

As Wood and Ker are part of the Integrity Group of companies we can offer mortgage , pension and investment advice via Integrity IFA.

With this comes a national network of products and support that ensures we deliver the best products to our clients every time.  Formed by professional advisers from various backgrounds including; Prudential, Co-op, Axa and the Pearl – this variety of professional skills and experience has proven to be a service welcomed by our clients as they can meet all their financial needs in one place.

Built upon the foundations of the comprehensive training and grounding in the financial services achieved with this variety of home service companies, our values are key to the way we deal with our clients today.  We continue to deal with over 85% of our clients in their own home, or place of work, at a time to suit them.

Technology is also a driving force for us now and into the future. Our office is 100% paperless with all clients files stored on secure external severs. This provides our business with a fast, process-controlled system that in turn ensures our clients’ information is data protected, safe and secure.

All our clients receive their own secure web site where they can see the values of their investments, in real time, and store important personal documents. It also offers encrypted secure messaging between client and advisers. Recent developments have seen an iPad app and iPhone and smart phone apps allowing clients access to their sites on these devices. You can now also add your online banking and credit cards to the site.

All these new ways of working and communicating allow us to save time and money and mean clients can access their portfolios easier than ever before. This leaves us more time to do what really matters, advising clients, so that they achieve their goals and receive the service they deserve.

As independent financial advisers we offer independent unbiased advice. We work for our clients – not any financial institutions, insurers or banks! This allows us to be free to find the most appropriate products for your needs.