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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.

Phil Bristow receives award

Phil Bristow received an Exceptional Service Award as a result of his work for the Insurance Institute of Sussex and the Chartered Insurance Institute (CII) nationally. The award was presented by the CII Deputy President, Jonathan Clark at the CII National...

Give a dog a bad name

Kit went to the rescue and helped to restrain Tank until the Police arrived. But Tank didn’t fancy a ride in a squad car and escaped. He went for Kit who was knocked over and repeatedly bitten. Fortunately, the Police had a taser, but missed Tank and...

World Cup

“England will lose to France in the final”, so says an insurer sponsored report which correctly predicted that Germany would win the last World Cup.   Obviously without anything better to do, the Centre for Economics and Business Research used the...

A Flash – but not of inspiration

Of course, it wasn’t my fault. How ridiculous that a main dual carriageway is restricted to 60 mph, especially at 5 am on a Saturday morning and if my daughter had not been talking to me…. But then the reality. I knew the 60 mph limit and speed camera were there for a...

Fraud is no laughing matter

It used to be the ones that attended court on crutches and then walked normally when they thought they were out of sight, not knowing they were being followed by a Private Detective. Nowadays, they claim they can’t work because of their ‘injuries’, but then post...
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