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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.

Covid payout isn’t all it seems

...However, the reality is that while a significant number of businesses will receive pay outs, the number is still a very small proportion of the businesses affected by the pandemic in the UK.Whilst the decision will be welcomed by these firms, the truth is that...

Blockbuster film plot revealed

The UK’s track and trace system is searching the night skies. It spots an object far, far away. Then another and another: asteroids and heading straight at us.The scientists are ushered into the PM’s office. Their modelling predicts multiple impacts and billions of...

Dark Cloud on the Horizon

But COVID may now make us pay closer attention to risks that lurk beyond our borders and one of the biggest is not so far away. Having always lived in the Brighton/Worthing area, the nuclear power station at Dungeness always seemed in a far-off remote part of Kent but...

Figures Deserving of a big graph?

...The fallout is frequently costly and at the very least inconvenient although few culprits are brought to account with only 666 offenders found guilty and a paltry 243 jailed. But despite the numbers there is little chance of our politicians doing much about it. Car...

Risks of working from home

...Cyber-attacks increased significantly when we went into lockdown as cyber criminals looked to take advantage of the uncertainty and confusion caused by the coronavirus pandemic. In particular, firms with people working from home became prime targets.Whilst some...
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