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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.

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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Money trees and moon flights

It’s Brexit this, Trump that, will May last or ‘Oh Jeremy’ get the chance to grow his money trees? Once again we have already had the NHS in crisis, corporate mismanagement (Carillion), a named storm (Eleanor), seen the idiocy of our criminal justice system (multiple...
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Will only the fearless go pilotless

We already have drones and auto pilots, so the technology is probably more advanced than cars and whilst the talk is initially of cargo planes, pilotless airliners are also planned. The benefit to the airlines is obvious, no pilots to pay, train, take time off or to...
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No great escape from claims

...It will be headline news with the usual stories about the availability (or the lack of) flood insurance, especially for small businesses. It could be catastrophic to those flooded, but insurers will only be concerned if large areas are affected, particularly now...
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A Grumpy old man’s rant

If you are of the politically correct persuasion, you may not like what follows, but please read on. For the second time within a year I have had my car badly vandalised in the centre of Worthing. Last time it was keyed on virtually every panel and cost the insurers...
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