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

12:12 am (6 hours ago)
UK consumers using their mobile phones in Europe will see cheaper bills from Saturday, as a further cap on roaming charges takes effect.
Yesterday 9:50 pm (8 hours ago)
The collapse of BHS into administration has led to questions about the way it was managed and whether its demise was inevitable.
Yesterday 3:58 pm (14 hours ago)
Oil giant Exxon Mobil reports a 63% slide in first quarter profits following low crude prices, while rival Chevron slumps to a $725m loss.
Yesterday 12:35 pm (18 hours ago)
The eurozone's economy grew by a faster-than-expected 0.6% in the first three months of the year, but deflation returns.
Yesterday 6:38 pm (12 hours ago)
More than 100 business figures throw their weight behind the campaign to leave the EU, arguing the City of London will "thrive and grow" outside the European Union.
Yesterday 8:24 am (22 hours ago)
Royal Bank of Scotland reports a loss of £968m for the first three months of 2016 - more than double the figure for the same period last year.
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Billionaire investor Carl Icahn unloads his shares in Apple over the company's prospects in China.
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Airline group IAG, the owner of British Airways and Iberia, says it will slow plans to fly more routes as a result of weaker revenues following the Brussels attacks.
Yesterday 4:18 pm (14 hours ago)
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A complex Court of Appeal ruling may mean reimbursement for some jobseekers whose benefits were docked after refusing to participate in unpaid back-to-work schemes.
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Thursday, 6:55 pm
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Yesterday, 1:22 am
A top executive at Qantas says the Australian election in July could hit demand for air travel.
Thursday, 3:08 pm
Some companies are reforming their "pay and reward structures" to offset the cost of introducing the National Living Wage, leaving their workers worse off.
Thursday, 1:07 pm
WPP chief executive Sir Martin Sorrell has defended his pay package and the success of WPP, the advertising giant he founded in 1985.
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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.

Backhouse meet with me once a month to review our insurances. As part of this process they have produced a comprehensive, easy to understand schedule of all our cover which they update prior to each meeting. In my 30 years of dealing with Insurance Brokers this has never been done so efficiently, or consistently, as it has by Backhouse. They are the best brokers I have ever come across!

Graham Pilkington, Director. Cavitech Solutions