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Business Insurance Explained…

Need help or guidance on business insurance? Most businesses do, so you’ve come to the right place. 

We believe in advice. Buy online and you get what is termed a ‘non advised’ sale. That means no advice on:

  • Selecting the right cover for your business 
  • How the policy fine print exclusions and conditions may affect you
  • What information you must tell insurers
  • How to avoid Under-insurance
  • Ways of reducing or controlling your premium 
  • Specialist covers – Cyber, Credit, Intellectual Property. Do you need them?
  • And perhaps most importantly, supporting you through the claims process and fighting your corner

 We help you avoid making mistakes that could put your business at risk. 


To help, we have prepared a number of factsheets on specific insurance covers such as Cyber, Business Interruption and also issues such as avoiding underinsurance or if a vehicle is a write off. They are written in plain English and are free for you to download, but it is always best to speak to us about your specific issues or needs.

Arranging insurance is not the same wherever you go and not all Insurance Brokers are the same. We are the one of the few Chartered Insurance Brokers in Sussex (3) and in the UK (less than 200) which demonstrates our commitment to professionalism, and perfectly illustrates our dedication to giving our clients outstanding service and the best possible advice.

Published Articles

You will also find useful information in Phil Bristow’s ‘Business Matters’ articles. Phil has nearly 40 years’ experience in the insurance industry and has been writing monthly articles in the Worthing Herald on topical insurance issues for 10 years. They are informative, can be controversial and occasionally humorous. Follow this link and use the search facility with key words such as ‘flood’ to find relevant articles.

Pandemic cover may break insurers

Firstly, there is the success of travel insurance. Policies should have responded to claims for cancellation or curtailment of any trip where the virus has been contracted abroad or the Government have issued instructions not to travel. I am not aware of any...

Insurance can only go so far

...but as the fires raged, the main focus seemed to be on arguments about their cause, rather than the cost in terms of human life and property.To some it is an obvious sign of climate change, but with little or no acceptance that these fires occur naturally every...

Is ‘Smarter’ always ‘Better’?

Perhaps that runs true for so called ‘smart’ motorways that have been blamed for causing accidents. Highways England insist they are safe, but critics have dubbed the use of hard shoulders during busy periods as ‘dumb’ rather than smart with the AA saying using all...

Storm Damage

...To be named, a storm affecting the British Isles must have the potential of causing disruption or damage, hence triggering a red or amber warning. The line-up for the 2019/20 season has been announced starting with Atiyah and then alphabetically, excluding Q, U, X,...

Underinsurance is a big risk

There is a comparison in the insurance world where technology issues such as cyber risks, the use of Artificial Intelligence or driverless cars tend to overshadow some fundamental problems and arguably one of the biggest is underinsurance.The statistics (albeit...
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