Business Insurance
Eastbourne branch

Movo can help you with your Business Insurance

Whether you are a small retailer or a multi-national manufacturer, our expert brokers here at Movo have you covered.

Our secret is the quality of our staff and a commitment to putting our customers interest at the heart of everything we do.

Our national network of offices covers businesses the length and breadth of the country and no business is too big or small.

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01323 404 500
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Let us help you find the best value Business Insurance, using
Movo means you can rely on the following:

Not a call centre

When you approach us, we will act as your agents and are here to exclusively look after your best interests. Our staff are all trained professionals with no need to use a call script: every call with every customer is a genuine conversation.

Movo are traditional insurance brokers, wherever possible we will meet our clients face-to-face. All our sales are advised, and we pride ourselves in the ability to tailor cover and cost to suit your needs.

Pay the right price and not a penny more

We recognise that the cost of insurance is a major concern for all clients.

Choosing an independent broker like Movo means that you will always receive impartial advice. We are not tied to either any group of insurers or any individual providers. When you instruct us to quote or act as your brokers, you will have the reassurance that we can approach any one of the 400 providers that we have access to and put forward the best value deal for you.

Support when you need it

Brokers act as your claim advocates when something goes wrong. Most people will never have an issue with their policies, however, if a dispute were to arise, having an independent agent to support you may prove to be invaluable saving you time, stress, and money.

At Movo we have an inhouse claims team that is passionate in trying to help our clients when they need us most.

Our staff are experts

When you call Movo you can expect to have a normal conversation with people that will remember your name.

Our staff are experienced, seasoned professional and Movo is committed to achieving the requirements set out by the Chartered Insurance Institute for Chartered firms that requires all advising staff to hold a minimum level 3 qualification meaning you can be sure you are dealing with professionals.

Getting a Quote from Movo is Easy

The fastest way to receive a hassle-free quote would be to submit your current
insurance schedule or renewal invitation here. Alternatively, you can request
a callback or give your local office a call.

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Give us a call 0208 049 8020

Business Insurancee with Movo

We are here to make your life easier when it comes to all thing’s insurance. If you have Business Insurance cover, you may well have or require some of the below cover also:

Testimonial

5.0 out of 5.0 stars
Well informed and knowledgeable people who go out of their way to find the best deals for their clients. They have managed to save us a great deal of money whilst negotiating an even better policy. We would recommend their services to anyone
Fiona Taylor
Sym French polishers
5.0 out of 5.0 stars
A friendly and professional company. Very efficient and nothing is too much.
Joanne Taplin
Service Master London
5.0 out of 5.0 stars
Movo Insurance has helped our company get good insurance deals over several years and recently negotiated a claim settlement that looked hopeless at first. They worked hard for our company. We will continue to rely on them for insurance!
Krisztina Heathcote
Ize
5.0 out of 5.0 stars
Movo Insurance is undeniably the most proactive broker we have ever used.
Luke Wesserly
Sym French polishers
5.0 out of 5.0 stars
Brilliant - personal, friendly, efficient. Got me better cover for a lower price; took the time to explain why it's better to talk to a person rather than just search online. 100% happy!
No Nonsense Tech

About the branch

Whilst our branch operates nationally, we are proud to be members of our local community. Nothing makes us prouder than insuring the local businesses our staff use or providing insurances to individuals who live in our community.

Making visits to see our clients is a key aspect of getting to know your needs. Whilst many brokers are looking to reduce their costs by removing these visits, we are happy to commit to visiting you, regardless of your size provided you are in one of the following areas: Orpington, Sidcup, Bromley, Swanley and other surrounding areas.

Frequently asked questions

We are here to make your life easier when it comes to all thing's insurance. If you have Property
Insurance cover, you may well have or require some of the below cover also:

What is business insurance?

This is the broad term that many people use to describe insurance products for businesses. This type of cover is also described under a variety of other more specific names. Like Retailers Insurance, Hotel & Guesthouse Insurance, Restaurant Insurance, Pub Insurance, Commercial Combined and many others.

Policies vary greatly. Some products, like high net worth private household policies give very broad cover including warranty free policies whilst other policies may restrict cover to very narrow set of conditions using policy wordings. It is also true that insurers approach to claims handling varies greatly and you should always enquire as to how well an insurer deals with claims.

Property Insurance is the broad term used to give for policies, or sections of policies which provide cover for physical assets. This could be for buildings, contents, stock, computers or anything that is tangible.

What will business insurance cover?

Business insurance is usually separated into two categories, packages and commercial combined insurance. Covers tend to be fixed under the package products but almost any activity and assets can be covered under a commercial combined.

What is an Umbrella limit?

Often insurers will give a ‘maximum’ level of cover automatically within a policy. These are usually fixed and cannot be removed or at the least will not impact the premium if they are removed. A common umbrella limit is ‘£500,000 gross profit’ under a package policy. This removes some of the barriers to arranging this type of covers for smaller businesses by giving a large enough limit that should cover the majority of customer’s needs.

What is a commercial combined policy?

Commercial combined insurance is best described as a policy which clients are able to tailor to their needs. This product will allow an insured to pick which covers they want as well as sums insured above and beyond limits usually provided under package policies.

Do I need business insurance by law?

Any businesses with employee’s will require Employers Liability cover to meet the requirements set out in the Employers Liability Act 1969. There are other covers which are required by the law but the vast majority of covers are optional including in the vast majority of cases Public Liability cover.

How much can I expect to pay for business insurance?

Policies for a single tradesman can be as low as £65 per annum for the right trade. Some of our larger client will pay 100’s of Thousands however Business Insurance tends to be relative to your size and usually segmented by the industry you are in.

Can I buy individual elements of cover?

With a commercial combined policy, you can tailor cover to suit your needs. You can on occasion also buy individual policies that cover a narrow set of insurance needs. An example is a transit insurance policy which only provides cover for goods in transit.

Are all policies you sell the same?

Policies vary greatly. Some products, like high net worth private household policies give very broad cover including warranty free policies whilst other policies may restrict cover to very narrow set of conditions using policy wordings. It is also true that insurers approach to claims handling varies greatly and you should always enquire as to how well an insurer deals with claims.

What is a package insurance product?

A package insurance product is usually designed for a specific trade or sector and will include a variety of standard cover. Often these cover give umbrella limits of cover which cannot be removed. Often you will find package products for Retailers, Licenced trades and tradesman.

Can I insure against glass breakage?

Yes, although usually you will need to request this be added to your policy. It is worth considering, especially if you have a large glass frontage.

Can I cancel my policy when I change my mind?

Some policies, aimed at consumers, will have a cooling off period. Other policies will offer a pro rate cancellation refund. Some policies will be minimum and deposit. This means all the premium is due from the moment you take up the policy with no refunds given.

What is a minimum and deposit insurance policy?

This is a non-refundable insurance usually reserved for some motor policies or liability insurance. If a policy is minimum and deposit, this should be brought to your attention at the time you buy the policy.

What is pro-rata refund?

This is when a proportional amount of the premium is refunded in line with the amount of time that remained on the policy.

Do I need to declare my adverse financial history?

The answer is an emphatic yes! Most insurers will ask you a direct question in relation to liquidation or bankruptcies, it may be for a limited period or ask you to declare any incidents ever. It’s really important to answer the question correctly as this is often an area that comes up when insurers are investigating claims.

Do insurers share information on claims?

On some occasions they do via selected registers. The best approach is to declare everything you think is relevant and thus removing any concerns you may have about historical data.

Do I need to tell insurers if my turnover has increased during the year?

Only if you have no leeway within your policy and are required to do so under the terms of the wording. Most policies that require a turnover to be declared will be based on a year-end adjustable basis. This means that provided you do not exceed any of the triggers (i.e. exceed 25% or 50% of declared turnover) then you can wait until renewal and make a declaration. Insurers will reserve the right to charge if the amount is higher than the original declared amount. You will need to check what allowances your policy makes.

What is Property Insurance?

Property Insurance is the broad term used to give for policies, or sections of policies which provide cover for physical assets. This could be for buildings, contents, stock, computers or anything that is tangible.

What is business interruption (BI insurance)?

This is a policy, or a section of a policy which provides protection for the possible loss of profits and/or to give you help in re-establishing your business to the position that it was in prior to the loss. Business interruption claims usually requires a physical incident to occur in tandem with any BI claim. There are several bases for insuring business interruption although the most popular way is by declaring the insurance gross profit estimate. We have a handy calculator to help with this.

What is Money Insurance?

This cover is usually provided as section of a policy and will give you protection for money that is stolen and some other perils. There will be various sections and inner limits which will provide clarity on what amount of cover you have for money in safes, left in premises overnight, in transit and any other requirements you will have?

What is an inner limit?

Insurers, on occasion will give an overall limit of cover for a section of their policy and then restrict a specific part of this cover to what is known as an inner limit. An example is a Public Liability policy which gives £2,000,000 of cover but will restrict the cover given to £100,000 for any claims related to a specific activity.

What is a peril?

These are the risk insurers give covers for. Examples are: fire, water damage, theft, malicious damage, earthquake, storm, subsidence and accidental cover.

Find out how we may be able to help you here by asking one of our team.
We also provide Private, Life and Health Insurance cover too.