PRIVATE CLIENT

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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

3:00 pm (5 hours ago)
The UK economy grew by 0.6% in the three months to the end of June, as economic growth accelerated in the run-up to the vote to leave the EU.
6:43 pm (an hour ago)
Labour MP Frank Field calls for an investigation into working practices of courier firm Hermes UK, accusing the company of "hounding" its workers.
7:29 pm (37 minutes ago)
The US Federal Reserve decides not to raise interest rates, maintaining the ultra-low level they have been at since December 2015.
12:37 pm (7 hours ago)
More than six million workers have now been signed up automatically to a pension savings scheme, but fears remain over how much is being set aside.
7:54 pm (11 minutes ago)
McDonald's says it will create 5,000 new jobs by the end of next year, taking its total number of employees in the UK to 115,000.
9:28 am (11 hours ago)
Air France-KLM warns there is "special concern about France as a destination" as recent terror attacks weighed on sales in the second quarter of the year.
3:11 pm (5 hours ago)
AB InBev's planned £50bn takeover of rival brewer SABMiller remains under threat from the double threat of the Brexit vote and a UK court ruling.
12:38 pm (7 hours ago)
GlaxoSmithKline is to invest £275m into its UK manufacturing sites, saying the country remains "an attractive location" despite the Brexit vote.
12:47 pm (7 hours ago)
ITV says it will need to cut costs to prepare for economic uncertainty sparked by the UK's decision to quit the EU.
8:18 am (12 hours ago)
Deutsche Bank warns further cost cutting might be needed as profits dive 98% in the second quarter amid low interest rates and volatile markets.
2:39 pm (5 hours ago)
Workers in the UK have suffered the biggest fall in wages among the world's richest countries since the financial crisis, research suggests.
5:00 pm (3 hours ago)
The FTSE 100 rises, as better-than-expected results from ITV and strong UK growth data boosts sentiment.
Yesterday 11:21 pm (21 hours ago)
Apple reports a second consecutive quarter of falling iPhone sales, but the 15% drop was not as bad as analysts had feared.
1:33 pm (7 hours ago)
A £344 million expansion programme at London City Airport is given the go-ahead by ministers.
4:48 pm (3 hours ago)
What's the most boring job you've ever had? How about sorting out nuts and bolts, waiting for plastic widgets on a production line - or manually deleting subscribers from a list?
Yesterday, 12:01 am
Drones delivering our shopping could become a reality across Britain, says the BBC's Transport correspondent Richard Westcott.
Yesterday, 5:06 pm
The journalist Sarfraz Manzoor mourns the end of the VHS video recorder.
Yesterday 11:01 pm (21 hours ago)
For young people from poorer backgrounds trying to get work, it's often a case of who you know more than what you know, according to new research.
Yesterday, 2:07 am
General Motors puts on hold a planned $1bn (£800m) investment in India, as it reassesses its strategy in the country.
Yesterday, 12:13 am
How you dress can influence how people perceive you, but what should you be wearing to the office?
Sunday, July 24th, 11:51 pm
Former BHS owner Sir Philip Green should sign a "whacking huge cheque" to cover the hole in the BHS' pension scheme, Work and pensions committee chairman Frank Field tells the BBC.
12:05 am (20 hours ago)
There is no shortage of companies blaming Brexit for their bad news these days - from job losses to price rises - but is this just a handy excuse?
4:55 pm (3 hours ago)
Labour's Owen Smith says the UK is "rapidly becoming the sick man of Europe when it comes to workers' rights". Is he right?
1:03 am (19 hours ago)
Every day hundreds of thousands of Britons put their coffee cup into a recycling bin. They're wrong - those cups aren't recyclable.
12:03 am (20 hours ago)
The Trans-Pacific Partnership is one of the most ambitious free trade agreements ever signed. But why does it matter?
12:06 pm (8 hours ago)
There are strong social divisions in how young people use digital technology at home, according to international research from the OECD.
Yesterday, 12:13 am
Could sticking to the traditional suit at work hamper your career?
Yesterday, 12:05 am
The interconnectivity of people on social media means it is a perfect hunting ground for cybercriminals looking to do harm.
Yesterday, 12:02 am
The UK government's getting together with the retail giant Amazon, to start testing flying drones that can deliver parcels to your door.
Monday, 12:09 am
Whether your children are problems or prodigies, is it damaging to your career to talk about them too much in the workplace?
Monday, 12:13 am
How Gerry Cottle Jr went from being a trapeze artist in his dad's circus to setting up a popular rooftop cinema business.
Friday, July 22nd, 10:08 pm
What will Brexit mean for small towns in Poland that have seen their populations shrink as people left to live and work elsewhere in the EU?
Friday, July 22nd, 3:02 pm
The sister of missing Malaysia Airlines captain Zaharie Shah tells the BBC about her brother's disappearance, and why the story of MH370 must live on.
Friday, July 22nd, 12:09 am
As publishers struggle to attract eyeballs in the face of increasing competition from online content, can artificial intelligence help them?
Thursday, July 21st, 12:23 am
A look at the booming private security industry in the Central American country of Guatemala, where an average of 13 murders are committed every day.
Thursday, July 21st, 12:10 am
Three years have passed since Yahoo bought micro-blogging site Tumblr, but it is not the goldmine it once hoped.
Wednesday, July 20th, 1:24 pm
A lower cost base and partnerships with western universities is helping South Africa to develop online courses for students around the world.
Tuesday, July 19th, 1:31 am
Could F1 and aeronautical tech help Sir Ben Ainslie's 'flying' catamaran win the America's Cup?
Tuesday, July 19th, 12:10 am
Australia has been described as "the lucky country", but is it entrepreneurial spirit or abundant resources that has driven its success?
Tuesday, July 19th, 12:05 am
Google has made headlines for its forays into healthcare but what is its ultimate goal?
Tuesday, July 19th, 3:41 am
The former Chancellor George Osborne peppered media interviews with references to the "Northern Powerhouse" but what's next for the project since his departure?
Friday, July 15th, 12:02 am
Technology that makes audiences feel like they are in the movie, rather than just watching it, is helping cinemas sell more tickets at higher prices.
Monday, July 18th, 4:24 pm
ARM's technology is at the heart of millions of smartphones and tablets - but the company's inventions are used wider still.
Sunday, July 17th, 10:22 pm
A profile of Asian businessman Chatri Sityodtong who made his fortune on Wall Street before setting up fast-growing televised martial arts tournament., One Championship.
Friday, July 15th, 10:19 pm
Food, clothing and electrical items are likely to rise in price as a result of Brexit - but bills may not go up until next year
Thursday, July 14th, 4:28 pm
It's early days for Pokemon Go, but some believe the app marks a turning point in mobile video games.

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