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

8:13 am (35 minutes ago)
The online fashion firm's annual pre-tax profits double as sales rise, helped by overseas markets.
4:18 am (4 hours ago)
Simon the 90cm-long rabbit was being flown in the cargo hold from London to Chicago's O'Hare International.
Yesterday 9:30 pm (11 hours ago)
The fast food chain has been trialling the move in 23 company-owned and franchise outlets in the UK.
7:27 am (an hour ago)
The lender puts on hold a plan to sell shares in its domestic banking business and posts a profit.
7:28 am (an hour ago)
The firm plans to work with aviation companies to trial the technology in Dubai and Dallas.
Yesterday 7:29 pm (13 hours ago)
Sales of fizzy drinks at Coca Cola are falling as consumers turn away from sugary pop.
8:34 am (13 minutes ago)
The miner is the worst performer on the benchmark index, despite rising silver production.
6:05 am (3 hours ago)
The Jockey Club, which operates 15 racecourses, also posts record operating profits in 2016.
Yesterday 10:15 pm (11 hours ago)
The former US president previously admonished "fat cat bankers".
1:27 am (7 hours ago)
Canada is calling new tariffs on softwood lumber imports to the US "unfair and punitive".
Yesterday 6:20 pm (14 hours ago)
The US defence giant has been targeted by US President Donald Trump for the cost of one of its fighter jet programs.
Yesterday 7:49 pm (13 hours ago)
Board members retained their seats but are struggling to contain fallout from the scandal.
Yesterday 10:01 pm (11 hours ago)
The owner of the coffee chain and Premier Inn hotels predicts a "tougher consumer environment" this year.
12:37 am (8 hours ago)
The BBC's Richard Westcott looks at accident investigators' latest weapon in the battle to find out why ships and planes crash.
Yesterday, 8:01 am
A first glimpse of the flying car backed by Google co-founder
Yesterday, 1:11 am
A start-up company is persuading local councils in the UK to turn local plastic waste into roads.
Monday, 12:03 am
Harvey Bowden, the boss of Harvey Water Softeners, says it's vital to put family before business.
Monday, 12:38 am
Facebook’s Sheryl Sandberg speaks movingly about her grief after the death of her husband.
Friday, April 21st, 10:46 am
The Zambian lawyer who opened up his own school for aspiring DJs.
Friday, April 21st, 10:54 am
Ghana's President Nana Akufo-Addo says he is making significant economic progress after 100 days in power but critics are not so sure.
Friday, April 21st, 12:13 am
How are three big carmakers going about cracking China, the world's biggest car market?
Yesterday 10:04 pm (11 hours ago)
France's richest man makes £10bn move to combine Christian Dior fashion house with luxury firm LVMH.
Yesterday 9:04 am (24 hours ago)
An investor group says it is "time for change", but the toymaker's directors fight back.
12:08 am (9 hours ago)
Working out what colour is going to be popular in future is crucial for industries across the world.
12:10 am (9 hours ago)
When email goes wrong... how it can irritate and annoy everyone in the office.
Yesterday, 1:00 am
Rushed off your feet? Not enough hours in the day? Here are some apps to help you take control.
Monday, 12:03 am
A profile of John Timpson, the boss of family-owned shoe repair firm Timpson, which has a very unusual recruitment policy.
Yesterday, 12:52 am
Many people are unsure about what machine learning is, but the chances are they are using it every day.
Monday, 12:52 pm
The Tories want a cap on energy prices - so what models might they choose from?
Monday, 12:03 am
The technology which underpins the internet's security has always been disputed.
Sunday, April 23rd, 2:59 pm
Suppliers and trade body Energy UK warn capping prices would eliminate competition in the sector.
Sunday, April 23rd, 1:51 am
How wealthy your parents are is likely to matter more for young adults than it did for older generations.
Sunday, April 23rd, 12:27 am
Russian tennis star Maria Sharapova returns to action next week looking to boost her sponsor appeal.
Sunday, April 23rd, 7:58 am
Paul Singer's Elliott Management, famous for its pursuit of Argentine debt, is calling for shake-ups at several companies.
Friday, April 21st, 9:44 pm
Whether you consume music digitally or collect vinyl records, Brexit has the potential to affect you.
Friday, April 21st, 9:44 pm
The regulator is concerned about the motor finance industry - so should car buyers also be worried?
Friday, April 21st, 12:17 am
Stem subjects - science, technology, engineering, maths - have an image problem. But not in Russia.
Thursday, April 20th, 4:10 pm
France may have a high standard of living but there are some persistent economic problems that will prove a challenge to whoever becomes the next president.
Thursday, April 20th, 12:31 am
The problem of "hippos" in the workplace - and why it is important that their decisions can be openly questioned.

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