Backhouse Commercial Insurance
We offer a bespoke service and always include the following within our remit:
- Negotiating the most competitive rates available
- Identifying market initiatives such as risk management and profit share arrangements
- Identifying new products from Insurers that suit your particular trade or sector
- Liaising on specific concerns
- Advising and adapting to legislation
- Adapting the way we handle your business to your own requirements
- Learning through many years of “arising issues” and using this knowledge to the benefit of other Clients.
Commercial Combined Insurance
The commercial combined policy is a more complete business insurance policy. It enables one policy to provide insurance for losses that may arise from different causes. Commercial combined insurance is designed for trades such as manufacturing, engineering, wholesale and warehouse. Commercial combined insurance policies allow you to provide bespoke cover for your own individual requirements. Backhouse Insurance brokers have over 50 years experience and can find the most advantageous policy.
Liability Insurance
Businesses must take out liability insurance, under the Employers' Liability (Compulsory Insurance) Regulations 1998. Businesses should also take out public liability insurance. This will protect the business if it is held legally liable for personal injury or damage to property. If your business carries out work in places other than its own premises, the policy should apply to work off-site, as well as on-site.
Public liability insurance covers claims made against the business, if the business's owners, directors or employees are shown to be responsible. The insurance will also include cover for any legal costs associated with defending claims against the business. Premiums will depend on the type of business, turnover and number of employees. If you regularly work from home, you might need to extend your policy, to be fully covered.
Public liability cover can also be extended to include claims arising out of defective products or design. However, it does not cover you for any claims made against the business for negligent advice. For this cover, you would need a separate professional indemnity policy.
College Insurance
We have been supplying College insurance since 1993, creating insurance portfolios for a number of colleges in the UK. Our knowledge of insurance for the education sector is well known.
As well as insurance services, we provide risk management advice to colleges which helps keep insurance claims to a minimum.
We have a growing portfolio of college insurance clients, mainly through recommendation and referral from colleges who we already help with all aspects of insurance and risk management.
A key area in college insurance at Backhouse, is the relationships we build with our clients, who can call us at any time and speak to a friendly, familiar voice. We offer colleges a responsive telephone guidance and advice service and if we cannot answer your query immediately, we can usually get an answer to your insurance queries within the hour.
Commercial Property Insurance
Backhouse Insurance brokers is a commercial property insurance specialist based in Lancashire. Backhouse Insurance brokers have over 50 years experience and can find the most advantageous policy for your property.
- All types of commercial property including offices, factories, shops and flats.
- Flexible policy wordings to improve cover and value for money.
- Thoroughly professional and quality service.
- Residential Investment Property Insurance.
- Buy to let and let properties.
- Landlords contents and fully comprehensive cover including loss of rent, third party liability etc.
- Contact us for a no fuss no obligation quote.
Commercial Property Insurance from Backhouse:-
Motor Fleet Insurance
Backhouse Insurance Brokers are able to manage motor fleet insurance from a handful to several hundred vehicles. This includes a full claims handling service that is unrivalled amongst our competitors. Our motor fleet insurance keeps vehicle downtime to a minimum, combined with a competitive overall premium.
The secret to keeping you companies fleet on the road is a professionally managed motor fleet insurance policy, Backhouse have over 50 years experience in the field. Testimonials from several fleet managers are available upon request.
Contact us for a no fuss no obligation quote.
Professional Indemnity Insurance
If your company provides professional advice or services which is relied upon by your client, then professional indemnity insurance is a must. If you make a mistake in your work you have a direct financial responsibility to your client for the errors. You may feel that your service and advice is fantastic, but litigation does happen.
Professional indemnity insurance provides financial protection for your company and is designed to meet the cost of defending claims made against you, including damages that may become payable. Claims can occur where one of your clients suffers a financial loss as a result of alleged mistakes or omissions on your part. You may even be sued by a client who is merely dissatisfied, but has no valid claim, leading to substantial legal costs and time away from contracts.
Consultancy Services
If you are happy with your Insurance Company, but need help or advice with the day to day management, we will be happy to provide our services on a fee basis. We can provide the following valuable services to free your / your staff’s time to do other things:
- Health & Safety and Risk Management advice
- Annual or bi-annual reviews
- Checking and recording or Bona Fide Subcontractor details
- Day to day dealings with the Motor Insurance Database (MID)
