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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.

Trampoline Madness

...Trampoline injuries may seem a strange example but bear with me. A study by the University of Sydney analysed 1.4 million trampoline injuries worldwide and suggests “Trampoline injuries explain 50% of admissions to emergency departments in children under 14 in the...

The rules don’t always make sense

...Perhaps it’s partly due to ‘Party-Gate’, why should I comply when the rule makers don’t, but it is probably more that some rules don’t make sense. It is becoming increasingly obvious that the British public were taken for ‘mugs’ with many of the nonsensical and...

The Cyber Insurance See-Saw

...Cyber Insurance has evolved quickly to keep up, although it may be that it ends up being a bit of a seesaw ride.Insurers introduced specialist policies for computer software and data in the 1970s, initially for physical risks such as fire and theft, but it was the...

How war is affecting insurance

...My Grandads were too young to fight in the First World War, too old for the second and likewise, my dad was only called up as the Second World War finished. There was some talk of the bombing of Chatham docks where my parents grew up and their evacuation, but...

Highway code madness?

...and based on the headlines, even as a keen cyclist, it is easy to agree. However, having read the detail, perhaps the changes are not all so bad, and most of the madness seems to be in the way that the changes have been interpreted by some cyclists and...
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