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

10:56 am (27 minutes ago)
Budget airline Monarch says its flights are operating as normal following 'negative speculation' about its financial health.
10:33 am (50 minutes ago)
The number of people taking out mortgages fell to its lowest level for 19 months in August, according to Britain's High Street banks
9:37 am (an hour ago)
Aldi reports record sales for 2015 in the UK and Ireland and says it will invest £300m in store revamps, but profits have been hit by the supermarket price war.
10:34 am (49 minutes ago)
Staff at a firm used by the government to cut tax credit payments are receiving calls from "suicidal" clients, which they are not trained to deal with, the BBC learns.
7:36 am (4 hours ago)
The Opec oil producers group will make another attempt this week to reverse a more than two-year slump in crude prices, says Algeria's energy minister.
10:11 am (an hour ago)
The German economy is expecting a "golden autumn", says the head of the Ifo Institute, as its closely-watched business survey shows confidence jumping.
12:01 am (11 hours ago)
One in three UK adults say they have argued with their partner about using their mobile phone too much, according to a report by Deloitte.
9:29 am (an hour ago)
Britain needs an interventionist government working with the private sector, says shadow chancellor John McDonnell ahead of his Labour conference speech.
2:22 am (9 hours ago)
Samsung says it will delay restarting the sale of its Galaxy Note 7 phone in South Korea, to allow more time to recall the device over faulty batteries.
7:08 am (4 hours ago)
China's Dalian Wanda steps up competition with Walt Disney's Shanghai resort, opening its second theme park in the country.
12:40 am (11 hours ago)
Some financial services firms are less optimistic about their prospects in the wake of the Brexit vote, despite enjoying high profits in recent months, says the CBI.
Yesterday 12:04 pm (23 hours ago)
The collapsed retailer BHS is re-launching as an online shop, selling some of the most popular items previously available on its website.
Saturday, September 24th, 10:25 am
The gender pay gap in the UK will not close until 2069 based on current salary progressions, research suggests.
1:04 am (10 hours ago)
Ken Rogoff, former chief economist at the International Monetary Fund, says the world's second largest economy is slowing much faster than official figures suggest.
Yesterday 11:48 pm (12 hours ago)
Many small cafes are rethinking free wi-fi in a bid to keep afloat - is the party about to be over for free wi-fi?
Yesterday, 12:55 am
Levi Roots, the food entrepreneur famous for his sauce, offers the business advice he wishes he had been given when he started out.
Yesterday 11:47 pm (12 hours ago)
The Smart Toy Club collects, sterilises and rents old toys to new customers.
2:13 am (9 hours ago)
India launches satellites for a fraction of the amount other countries spend - and it is using those missions to try and recoup some of the cost of its space programme.
Friday, September 23rd, 10:00 pm
The Cape Town supermarket owner selling food past its "sell-by" date.
Friday, September 23rd, 7:00 pm
The BBC's technology reporter Chris Foxx explains how you can stay safe following the Yahoo hack.
Friday, September 23rd, 2:42 pm
The impending sugar tax in South Africa is causing concern in the soft drinks industry.
Friday, September 23rd, 3:34 pm
Cabin crew on an Indian passenger aircraft have used a fire extinguisher to tackle a smoking Samsung handset.
Friday, September 23rd, 12:39 pm
British supermarket Iceland could face a legal battle to save its name after the Icelandic government confirms it is considering launching a lawsuit.
9:37 am (an hour ago)
Fifa secretary general Fatma Samoura says more must be done to make all elements of the football industry more open to women and minorities.
5:26 am (6 hours ago)
Monday's successful launch of eight satellites into space proves India's commercial space programme is booming, writes Yogita Limaye.
Yesterday 11:49 pm (12 hours ago)
A profile of technology boss Matthew Prince, whose company Cloudflare protects four million websites, including those of banks, the Eurovision Song Contest, and many in the adult entertainment industry.
Yesterday, 12:20 am
The BBC's James Badcock examines how activists doggedly pursued their country's former economy minister and IMF chief, Rodrigo Rato, over corruption claims.
Friday, September 23rd, 9:59 pm
Many stay-at-home parents have no proper pension provision - so what can they do to maximise their retirement savings?
Friday, September 23rd, 9:59 pm
Anyone over thirty-five might look at you blankly if you mention vintage kilo sales, but they are increasingly popular with teenagers and students looking for cheap, fashionable clothing.
Friday, September 23rd, 12:03 am
Up to a billion people in Africa derive their main income from farming, but many get embroiled in disputes over whether they really own their land. Can tech help?
Friday, September 23rd, 12:07 am
Bosnia's biggest foreign investment by a Dubai-based property developer is causing some unease amongst locals. But the country needs all the help it can get.
Thursday, September 22nd, 12:05 am
As Angelina Jolie and Brad Pitt prepare to untie the knot, they will become clients of a very lucrative industry providing divorces for the super-rich.
Thursday, September 22nd, 12:38 pm
A marketing hoax of a "fired employee" going berserk with a company's Twitter account goes viral - but how effective is it when advertising plays with people's trust?
Thursday, September 22nd, 12:06 am
A look at the tech firms helping to save and protect the honey bee, as numbers of the vital pollinators continue to fall sharply around the world.
Tuesday, September 20th, 5:08 pm
GSK has announced Emma Walmsley will be its next chief executive, taking the total of women running FTSE one hundred companies to seven. So who are the other six?
Tuesday, September 20th, 12:04 am
As London's autumn fashion week wraps up, what has it told us about the way the fashion industry is changing?
Tuesday, September 20th, 12:04 am
Early diagnosis of disease is literally a matter of life and death, so the race is on to produce cheaper, faster, lighter kits to help doctors and nurses in the field.
Monday, September 19th, 12:00 am
A profile of virtual reality firm boss Samantha Kingston, who has enjoyed a meteoric rise after falling into the video games industry by accident.
Monday, September 19th, 12:00 am
Some US cattle farmers are finding that smaller herds of naturally raised cows are more profitable.
Sunday, September 18th, 7:59 am
Australia's biggest banks have been among the world's most profitable, but face allegations of rate-rigging and anti-competitive behaviour. Are their golden years over?
Friday, September 16th, 10:16 pm
Older people are increasingly saving their loved ones from the cost of a funeral by paying in advance - but many families are unaware because they are scared to talk about death.
Friday, September 16th, 12:35 am
Katy Watson and Sarah Treanor visit insect farms in California and Mexico - but is bug eating, or entomophagy, really going to catch on?
Friday, September 16th, 12:42 am
Solar power is expanding fast in Africa, and innovative products and payment schemes are ensuring the poor and rural communities don't miss out.
Thursday, September 15th, 11:31 am
Hinkley Point: What is it and why is it important?
Thursday, September 15th, 12:39 am
Whether you're a tourist or an executive, it isn't always easy travelling alone, especially if you're a woman. A growing number of businesses are aiming to make the experience easier.
Wednesday, September 14th, 4:55 pm
Some 60 of Hanjin Shipping's cargo vessels are stranded at sea, after the company filed for bankruptcy - with crew and cargo stuck on board. Here's the story of one of them.
Wednesday, September 14th, 12:19 am
With more of us in developed countries living longer but retiring earlier, there is a growing pensions "time bomb". So could the answer be never retiring in the first place?
Tuesday, September 13th, 10:33 am
BBC World Service economics correspondent Andrew Walker breaks down the world of bonds.
Tuesday, September 13th, 12:14 am
South Africa's tourism industry is using technology to expand the sector beyond traditional areas and appeal to modern independent travellers.
Tuesday, September 13th, 12:19 am
Japanese carmaker Nissan is one of only eight sponsors of the Uefa Champions League. What does the firm hope to achieve from its association with Europe's top football competition?
Monday, September 12th, 4:10 pm
Businesses and communities want certainty about where the second phase of the HS2 rail route will go, but politics rarely provides certainty.
Monday, September 12th, 12:04 am
How cartoonist Mauricio de Sousa was able to get past initial rejection and go on to become Brazil's answer to Walt Disney.
Monday, September 12th, 12:22 am
Indonesian seaweed farmers have launched a class action lawsuit demanding compensation for the effects of Australia's worst oil spill.
Saturday, September 10th, 9:22 am
How did a humble man from the Spanish coast briefly overtake Bill Gates as the world's richest man? By giving us what we want, when we want it.

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