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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 the link below and use the search facility with key words such as ‘flood’ to find relevant articles.

Property Insurance – Be Wary

That clearly applies to all insurance although in this instance it is particularly relevant to property insurance, not just buildings, but contents insurance as well.For many years property insurance was seen as profitable and attractive to insurers but in recent...

Nudge, Nudge or a Great Big Shove?

Not just the COVID restrictions (unless you’re part of the political elite) but crisis after crisis with fuel, energy, Afghanistan, migrants and supply chains. The police helping protesters block roads was surprising, but MPs involved in ‘dodgy’ lobbying was hardly a...

Surviving and Thriving

I have been amazed at the resilience of the majority of our clients, with some actually thriving, but remember all too well the ‘fallout’ as we emerged from the last major recession in 2010.Back then many companies managed to just about pull through the actual...

Why rebuilds can take many years after disaster strikes

There are exceptions: Grenfell Tower has understandably rarely been out of the news since the disaster in 2017 given the largescale loss of life and looks set to continue for some time to come with controversy about the proposed demolition set to start in May 2022....

Electric car fires

Some may say it is best to slow down in case of debris or the emergency services are in the road but if you are honest, you just want to see what has happened.Fortunately, it is rare to see anything too serious and fires are even rarer still and I can only recall...
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