Waddle Insurance

Waddle Insurance: personal and business protection insurance advice

Waddle Insurance is an insurance brokerage based in Swansea (United Kingdom) operating under the trading name Essential Risk Solutions Ltd. The firm presents itself as a fully advised intermediary and works with a full panel of insurers to arrange and manage policies on behalf of its clients. It is directly authorised and regulated by the Financial Conduct Authority (FCA) under number 522551.

Personal protection products

The offering for individuals covers six main areas:

• Family Protection (Life Insurance): life insurance aimed at covering the mortgage, living expenses and ensuring the well-being of dependants.
• Income Protection: regular benefit in the event of illness or injury preventing work, to meet mortgage, bills and daily expenses.
• Mortgage Protection: cover linked to mortgage payments.
• Critical Illness Cover: lump sum payment upon diagnosis of serious conditions such as cancer, heart attack or stroke. Some plans cover over 100 conditions.
• Funeral Cover: insurance designed to cover funeral expenses.
• Legacy (IHT) Cover: protection related to inheritance tax.

Business solutions

In the business sphere, Waddle Insurance offers products such as Relevant Life, Key Person Cover, Executive Income Protection, Business Critical Illness, Shareholder Protection and Employee Benefits. These covers are designed to protect key employees, partners and business continuity.

Advice and management services

In addition to arranging cover, the firm offers review of existing policies (Policy Checkup), support with claims processing (Claims Support) and ongoing advice. The website describes a three-phase working method: initial conversations to get to know the client and their goals, design of structured protection plans and ongoing support, including claims management.

2025 Claims Report

The company has published its first annual claims report, for 2025, in which it declares a total of £1,133,478 paid out and 100 claims handled, with real data and client stories.

Awards and corporate culture

Waddle Insurance presents itself as a multi-award winning firm and highlights its corporate culture, which includes initiatives such as Waddle Dogs and Waddle Rewards. The company participates in charity events, such as the Cardiff Half Marathon in aid of a children's cancer organisation.

Contact and location

The company's headquarters is at The Hive, Rear of 75 Uplands Crescent, Swansea, SA2 0EX. The contact phone number is 03333 1111 23 and the email address is info@waddle.co.uk.

Location and contact

The Hive, Rear of 75 Uplands Crescent, Swansea, SA2 0EX · Phone: 03333 1111 23 · Email: info@waddle.co.uk