PRIVATE CLIENT

Click here to discover our range of personal insurance solutions.

Retail Insurance

Retail Insurance

Whatever size of company you run, it is essential that you protect your business with the most comprehensive insurance to give you complete peace of mind. This will allow you to concentrate on what you do best - working with customers and developing your own business.

At Backhouse we have the expertise to understand the different requirements of all types of business trades and can therefore create an insurance policy specifically tailored to your needs.

Individual policies can be arranged on a stand-alone basis separately for each class of business, or can be arranged on a package basis under one main policy.

Wholesale Insurance

At Backhouse we understand that running a wholesale business presents a number of challenges. With over 50 years experience we know business insurance inside out and understand that you may be looking to only insure certain parts of your business. With a desire to understand your needs we take pride in arranging policies specifically tailored to your needs, if you have a legal requirement for certain cover we will tell you.

No matter the risk we at Backhouse have the experience, knowledge and ability to exceed your expectations. Why not put us to the test?

For more information please contact Peter Barnes on 01282 677776

4:20 pm (9 minutes ago)
Barclays reports a 21% fall in full-year statutory pre-tax profits, as boss Antony Jenkins is awarded his first bonus as chief executive.
10:59 am (6 hours ago)
Aston Martin plans to broaden its range of cars to include new sportscars and a small SUV, to attract younger and female buyers.
12:34 pm (4 hours ago)
The Bank of England has flagged 50 instances of potential market abuse following a shake up of how it operates.
11:00 am (5 hours ago)
Activity in the UK's construction industry picked up in February, a survey indicates, with the sector's performance beating expectations.
1:02 pm (3 hours ago)
The bill for the mis-selling of payment protection insurance (PPI) by the five biggest banks in the UK has now reached a total of £24.4bn.
1:13 pm (3 hours ago)
United Airlines has announced that it will no longer carry bulk shipments of lithium-ion batteries as new tests reveal they could cause fires.
2:24 pm (2 hours ago)
Ford "really hopes" that the UK will not leave the EU, according to Jim Farley, president of its Europe, Middle East and Africa business.
Yesterday 10:07 pm (18 hours ago)
For the second year running, Singapore tops the list as the world's most expensive city to live in, says the Economist Intelligence Unit.
10:42 am (6 hours ago)
Revenue in Macau's casinos fell by a record amount last month as China's corruption crackdown continued to hit the region's gambling industry.
Yesterday, 3:59 pm
Bill Gates is declared the richest man in the world for the 16th time by Forbes magazine's annual ranking of global billionaires.
Yesterday 7:24 pm (21 hours ago)
The European Commission says it is trying to maintain EU unity after Greece accused Spain and Portugal of conspiring against it in bailout talks.
12:50 pm (4 hours ago)
The FTSE 100 falls, dragged down by disappointing results from Barclays and mining giant Glencore.
Yesterday 6:06 pm (22 hours ago)
Liverpool Football Club reports a profit for the first time in seven years, mainly as a result of rising media revenue from the Premier League.
Yesterday 9:28 pm (19 hours ago)
Dating app Tinder announces it will charge the over-28s nearly four times as much for its premium features as it does younger users in the UK.
Yesterday, 3:12 pm
UK house prices dropped in February for the first time in five months, according to Nationwide.
Yesterday, 11:56 am
Rebekah Brooks, the former chief executive of News International, is to be re-hired by Rupert Murdoch.
Friday, February 27th, 3:13 pm
A numeracy charity's challenge prompts beauty giant L'Oreal to change an advert boasting about not being good at maths.
Friday, February 27th, 1:53 pm
An unofficial passport website has sued more than 150 of its own customers after they tried to cancel or refused to pay believing they had been misled.
Yesterday, 12:55 pm
A new coinage portrait of the Queen is unveiled, but the image will only appear on coins later this year.
Yesterday 5:48 pm (23 hours ago)
Some 200,000 "starter homes" will be built for first-time buyers in England by 2020 if the Tories win May's general election, David Cameron says.
Saturday, February 28th, 9:17 am
Energy price comparison sites should compensate customers who changed to tariffs that may not have been the cheapest deals, MPs say.
Yesterday, 12:07 pm
Manufacturing in Ireland rose to its highest in over 15 years in February, according to Markit PMI survey
Yesterday 6:01 pm (22 hours ago)
Former prime minister and Scottish MP Gordon Brown believes under threat North Sea oil fields could be part owned by the UK government.
Yesterday 5:41 pm (23 hours ago)
Lib Dem Treasury Secretary Danny Alexander calls for an extra £1bn tax on Britain's banks to help pay off the deficit.
Thursday, February 26th, 12:08 am
Polo is one of the most popular sports in Argentina, yet unlike football or rugby most of the businesses that keep the game going are small homegrown companies.
Wednesday, February 25th, 12:05 am
Becoming your own boss is many people's dream, but what's it really like to start a business from scratch?
Monday, February 23rd, 12:16 am
How Mexican immigrant Jordi Munoz set up the largest US-based drone manufacturer, a company called 3D Robotics.
Thursday, February 26th, 10:05 pm
Chelsea sign a five-year shirt sponsorship with a Japanese tyre manufacturer worth a reported £40m per year.
Wednesday, February 25th, 9:28 am
Fifa says it will not pay compensation to clubs and leagues unhappy about plans to play 2022 World Cup in November and December.
Wednesday, February 25th, 8:28 am
Bus tycoon James Easdale resigns from Rangers' board following fan pressure against the current Ibrox regime.
3:50 pm (39 minutes ago)
Torsten Muller-Otvos, chief executive of Rolls-Royce Motor Cars talks about the the sharp drop in growth in emerging markets.
Friday, February 27th, 4:30 pm
Architect Neil Van Der Veen chooses three significant buildings in the UAE and gives his view on what the future holds for architecture in the region.
Yesterday 8:39 pm (20 hours ago)
Mariko Oi reports from Japan on the country's quest to rediscover its innovative spirit with "game-changing" products.
Yesterday, 3:00 am
Samsung unveils a new flagship smartphone, with a screen that curves at both sides, at the Mobile World Congress in Barcelona.
Yesterday, 12:07 am
Eduardo Costantini has built large swathes of Buenos Aires, but it is his art collection that is his passion.
Sunday, March 1st, 12:59 pm
The Greek Finance Minister Yanis Varoufakis has promised his country will make repaying its debts to the International Monetary Fund its main priority.
Saturday, February 28th, 6:14 pm
India's finance minister, Arun Jaitley, has been presenting the government of Narendra Modi's first full budget.
Friday, February 27th, 8:26 pm
Close to one million men are now choosing to reduce their hours and take part-time employment. Emma Simpson reports.
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Is the era of free electricity approaching?
12:00 am (16 hours ago)
How computers are taking over the finance world
Yesterday 8:00 pm (20 hours ago)
What has happened to Japan's inventors?
12:04 am (16 hours ago)
Should Sony stop making smartphones?
Yesterday, 12:07 am
Can cargo drones help plug Africa's transport gap?
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The Argentine who made a fortune and opened a museum
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Has globalisation fundamentally slowed?

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 out 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.

Paul Reyner, Fagan and Whalley