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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.

Green, or more worried about red?

Insurers, as with most large corporates, are keen to confirm their green credentials and an example is the recent Aviva/World Wildlife Fund joint statement calling for a ‘net zero future’ in the financial sector. However, the significance of the detail of net zero can...

Trend that’s a pain in the neck

By contrast, it is much harder to identify someone that actually has a pain in their neck, hence one of the biggest conundrums faced by insurers over recent years, whiplash claims.Fortunately, I was in a Volvo the only time I have been hit in the rear. The front of...

Why flood cover is a huge issue

...At the time it wasn’t too much of an issue because of the ‘Statement of Principles’ agreement between the Government and insurance industry. But the survey didn’t ask the obvious question. If insurers are no longer obliged to provide flood cover under the agreement...

We have a new “silent threat”

Thanks to adult cyclists using them as cycle paths, pavements are no longer as safe as they once were, and it looks likely to get worse with pedestrians having to contend with even more electric (E) scooters.E-scooters are currently being trialled in 32 cities around...

Covid’s not the only risk to kids

...with much debate throughout the pandemic as to whether schools should have closed. But as all students finally return to school, they will face other risks.Zurich Municipal, one of the main insurers of schools in the UK have recently published a study following...
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