About Backhouse

With origins to 1935 our original company name was W J Mercer & Company Limited.

The business reformed when acquired by Steve Backhouse, who took the business from strength to strength during the 1960's and early 1970's. On his tragic and untimely death in 1974 the company has remained family owned under the chairmanship of Shirley Backhouse.

Throughout our history our core values remain unchanged. We seek to act with utmost professionalism in the primary interest of our clients.

With continual improvement and innovation, we seek real values for both our staff and more importantly our clients, and we remain a market leader in our field.

INDEPENDENT

We are one of the very few remaining independent brokers in the UK - We are NOT:

  • Owned by an Insurer

  • Part of a network

  • Owned by a consolidator

What are the benefits of being independent?

  • Our commission/fee costs are kept to a minimum.

  • Selection of an appropriate Insurer is decided upon in each individual instance as being appropriate to you; we don't work to a panel.

  • We deal directly with the Insurers and the underwriting/management teams to obtain maximum discounts/improved covers and beneficial claims payments.

  • Immediacy of decisions and ability to change our service as circumstances dictate for the client.

  • New Insurers seek to actively engage our team as no contractual account commitments are made to existing suppliers.

Overall we are in charge of our own destiny and seek independence as a unique differential.

FINANCIAL CONDUCT AUTHORITY

Backhouse Insurance Brokers Limited are authorised and regulated by the Financial Conduct Authority.

CHARTERED INSURANCE BROKERS (CII)

A hallmark of excellence in 2007 the insurance broking sector entered a new era of professionalism, with the Chartered Insurance Institute awarding "Chartered Status" to firms demonstrating excellence in their field.

The pinnacle of achievement is the award of "Chartered Insurance Broker".

Backhouse have responded to the challenges of a dynamic market, raising standards of knowledge, capability and ethical practice and gaining the Status, which acknowledges that the advice given by Backhouse is:

  • Of the highest quality.

  • Based solely on the researched needs of customers.

  • Provided by someone not exceeding their level of competency.

CLAIMS HANDLING

To us it is not a matter of simply sending you a claim form, we deal with urgency and speed, prioritising as you need and with action plan and agreement.

QUALITY ASSURANCE PROCEDURES

We are proud of the service and quality we provide and look to ensure it is maintained, both management and independent file reviews are undertaken weekly and monthly.

RISK MANAGEMENT

With NEBOSH qualified staff, we are able to comment on and recommend Health & Safety procedure, integrating any formal plan with the Insurer which results in contribution of cost or discount in rate.

CORE VALUES AND MISSION

Our mission statement has been and always will be to put our clients first, from negotiating the most competitive rate with the widest cover possible, to dealing directly with claims and any other issues that have an insurance related issue.

We endeavor to exceed expectations.

We never forget that when you select Backhouse you are placing your trust and care in our company and team.

Yesterday 11:49 pm (2 hours ago)
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Yesterday 11:58 pm (2 hours ago)
The Fed will start to reduce its $4.2trn balance sheet in October.
12:00 am (2 hours ago)
The consumer group wants manufacturers to stop making fridges with flammable plastic backs
12:03 am (2 hours ago)
A survey by the RAC suggests 23% make or receive calls illegally - but the number is falling.
Yesterday 7:00 pm (7 hours ago)
Thomas Cook pilots to strike at the weekend after talks fail in a continuing pay dispute.
Yesterday 6:22 pm (8 hours ago)
Dominic Chappell pleads not guilty to charges brought by the Pensions Regulator after the collapse of BHS.
Yesterday 3:26 pm (11 hours ago)
Shares in Taiwanese smartphone firm HTC are suspended amid rumours Google parent Alphabet is planning a takeover.
Yesterday 4:00 pm (10 hours ago)
The embattled electronics firm hopes the deal will cover heavy losses from its nuclear division.
Yesterday 7:43 pm (7 hours ago)
Ryanair says it has now emailed all customers advising them of flight changes and offering refunds.
Yesterday 1:38 pm (13 hours ago)
A rise in the number of lower-paid female workers has held back global wage growth, the OECD says.
Yesterday 3:51 pm (10 hours ago)
The tie-up between Tata - which owns Port Talbot steel works - and a German firm will lead to job losses.
Yesterday 10:11 am (16 hours ago)
UK retail sales rose by 1% on the back of strong sales of clothing and non-essential items.
Yesterday 2:24 pm (12 hours ago)
Delivery company FedEx says a recent cyber-attack cost its TNT division about $300m (£221m).
Yesterday, 12:03 am
Young people are paying more to live in less space than previous generations, a think-tank says.
Yesterday, 12:05 am
Federation of Small Business says a record proportion of owners are looking to downsize, sell or close their firm.
Yesterday 8:44 am (18 hours ago)
The B&Q and Screwfix owner sees profits and sales slip as it works its way through a five-year revamp plan.
Yesterday 10:56 am (15 hours ago)
A complaints body says consumers had to make more than two million calls to resolve water issues.
Yesterday 8:21 am (18 hours ago)
Inditex had a net income of 1.4bn euros in the six months to 31 July - 9% higher than the previous year.
Yesterday 10:07 am (16 hours ago)
A record 30 million gig and festival tickets were sold in the UK last year, new research shows.
Yesterday 12:14 pm (14 hours ago)
Shares in the retail group add 6.7%, despite its reporting of a 5.9% fall in half-year profits.
Yesterday 7:05 pm (7 hours ago)
The small satellite industry is the fastest growing part of the space sector "and they all require launch" says Rocket Lab boss Peter Beck.
Tuesday, 10:38 am
Philippine fast food chain Jollibee does not rule out bid for upmarket UK sandwich firm Pret a Manger.
Monday, 3:27 pm
Personal finance expert Martin Lewis explains what rights consumers have during the Ryanair pilot shortage.
Monday, 12:13 am
Equitable Life's Chris Wiscarson on how he's managing the pension fund after its shock collapse.
Monday, 12:12 am
Catherine has created 'tribes' of business women to help them form a network to connect with each other.
Friday, September 15th, 3:24 pm
The entrepreneurial Angolan women travelling to Rio de Janerio and Sao Paulo in search of Brazilian clothes to bring home and sell.
Friday, September 15th, 3:07 pm
The BBC's Lerato Mbele looks at how African companies protect their brands.
Friday, September 15th, 12:54 pm
The Lehman Brothers brand is back, but this time on a whisky bottle.
Yesterday 7:13 am (19 hours ago)
Islington Assembly Hall will now only sell tickets through a ticketing app in a bid to cut out touts.
Yesterday, 12:09 am
A study indicates that 71% of 55-to-75 year olds in the UK now own an app-capable handset.
12:09 am (2 hours ago)
As an increasing number of vineyards and wineries seal their bottles with screw-caps, the natural cork industry is fighting back.
Yesterday, 12:11 am
How a new breed of American-style coffee shops are drawing in younger Italians.
Yesterday 11:19 am (15 hours ago)
Free speech has become a university battleground. But what does the right to free expression really mean?
Tuesday, 12:11 am
Electric cars have had a lot of publicity recently, but petrol and diesel engines are far from dead yet.
Tuesday, 12:15 am
Low levels of education have fuelled the spread of illegal and harmful pyramid schemes in rural China.
Monday, 5:21 pm
The Civil Aviation Authority advises passengers not to cancel their flights themselves.
Monday, 12:18 am
Daniel Hegarty left school with nothing to become a successful musician playing with top acts - so how did he end up as a tech entrepreneur?
Monday, 12:15 am
Without it, companies in the sharing economy might not have grown as successfully as they have.
Friday, September 15th, 10:03 pm
Is naming a new brand of whiskies after the collapsed bank a wise move?
Friday, September 15th, 12:18 am
The Facebook-owned photo app has become an important marketing tool for many small entrepreneurs.
Thursday, September 14th, 12:54 am
The shoemakers who think they have the solution to the problems caused by wearing high heels.
Thursday, September 14th, 1:00 am
Israeli company Colu has launched a digital currency in Liverpool, which is only open to locally-owned and run businesses.
Wednesday, September 13th, 1:01 am
Saffron is the world's priciest spice, so why does it have a less than golden reputation?
Wednesday, September 13th, 8:33 am
Adult learners in Kenya get to read their first words, after a library opens in their village.
Tuesday, September 12th, 12:22 am
The collapse of Northern Rock: Ten years on
Tuesday, September 12th, 12:25 am
Card and phone payments may be replacing coins and notes, but are Swedes ready to get rid of cash altogether?
Monday, September 11th, 12:41 am
The value of modern currency comes not from what it's made of, but what we all agree it's worth.

PRESSURE SYSTEM FAILURE LEADS TO LARGEST EVER CORPORATE MANSLAUGHTER FINE

An investigation found an explosion resulted from a screw connection to an autoclave locking ring which secured a door to a machine.

HEALTH AND SAFETY (FEES) REGULATIONS 2012

New UK Legislation enabling the HSE to charge a Fee for Intervention (FFI)

What is FFI? 

Increased squatters risk in commercial properties
From 1st September squatting in residential buildings in England and Wales became a criminal offence

IS IT TIME TO REVALUE YOUR JEWELLERY

At present we are all seeing many articles and commentaries in the press and TV regarding the price of gold, silver and diamonds on a seemingly upward trend in cost.This is very true as you can see from the attached graph showing gold and silver over a two year period.

THEFT OF HEATING OIL

The cost of heating oil has increased significantly recently, resulting in more thefts of oil from both domestic and commercial properties.

The first indication that a theft has taken place is often when the heating stops working.

OVERVIEW – 2011

Rate reductions are still possible for clients for property and liability insurance.  Abundant capacity and competition between Insurers are preventing increases, other than where there has been poor claims experience on individual accounts or within specific sectors.

DO YOU HAVE DIRECTORS AND OFFICERS INSURANCE?

The first Corporate Manslaughter Prosecution has been successful in the United Kingdom.

It is more important than ever to ensure that your Managers, Directors, Officers as well as the Company have cover in place to protect them.

CHANGES TO THE MOTOR INSURANCE DATABASE

From 2011 if your vehicle is not registered on the MID and has not been declared as 'Off-Road' you will receive a letter warning you that you could face a fine, prosecution as well as your vehicle being clamped, seized or ultimately destroyed.

IMPORTANT CHANGES TO EMPLOYERS' LIABILITY INSURANCE FROM 1ST APRIL 2011

With effect from 1st April 2011 the Employers' liability Tracing Office (ELTO) will be introduced.

The purpose of the ELTO is to assist the insurance industry in meeting its obligations to help those who have suffered injury or disease in the workplace identify the relevant insurer quickly and efficiently.

We have since 2008 used Backhouse to place all our insurance risks, their unique approach to our tender process was one of the major factors behind placing our trust in Backhouse. They took the trouble to research our business carefully and brought to our attention areas of cover that had never been considered before.

We find Backhouse both conscientious, professional and great value for money delivering a first class claims service.

Paul Reyner, Fagan and Whalley