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 or email peterb@backhouse.co.uk 

Yesterday 6:56 pm (16 hours ago)
Members of the troubled Co-operative Group vote overwhelmingly in favour of reforming how the business is run.
Yesterday, 4:01 am
Housing experts are calling for minimum standards in the private rental market to prevent landlords from exploiting vulnerable tenants.
Friday, 4:09 pm
Banks and card companies will reopen 2.5 million PPI mis-selling complaints amid claims of underpayment and rejection of compensation.
Friday, 4:59 pm
The Russian rouble falls to a record low against the dollar as investors fear further sanctions against the nation.
Friday, 4:50 pm
Shares in the struggling supermarket Tesco fall to an 11-year low after the group cut its profit forecast and dividend.
Friday, 5:52 pm
India's economy grew by 5.7% in the three months to June, its fastest pace in two-and-a-half years, according to an official estimate.
Friday, 11:08 pm
The International Monetary Fund reaffirms its support for its leader Christine Lagarde despite her being investigated in a high-profile case in France.
Friday, 11:31 am
Malaysia Airlines is to cut 6,000 staff as part of recovery plan after being hit by two air disasters this year.
Friday, 10:52 am
Household water bills in England and Wales will go up less than the rising cost of living in the next five years, under proposals from regulator Ofwat.
Friday, 11:21 am
House prices edged up by 0.8% in August, the Nationwide says, while the Land Registry reveals a big annual increase in London.
Friday, 2:54 pm
A contraction of 0.6% in Brazil's economy between April and June, and a revision of the first quarter, has pushed the country into recession, latest figures show.
Friday, 11:53 am
The eurozone inflation rate falls to 0.3% in August, near a five-year low, adding to fears of a deflationary spiral in the region.
Friday, 1:04 pm
Official figures show a widening divide between public and private sector bonus payments.
Friday, 5:11 am
Japan's economy shows signs of stagnation and weakness as households spent less and factory output stays flat in July.
Friday, 2:41 am
Virgin Australia posts an after-tax loss of A$355.6m ($332.6m; £200.5m) for the full year ending in June, triple the firm's previous year's losses for the period.
Thursday, 11:00 pm
Google reveals it has built and tested its own drones as part of a plan to make automated deliveries to remote homes as well as disaster-hit zones.
Thursday, 3:40 pm
The US economy grew at annual pace of 4.2% in the second quarter, revised official figures show, faster than the previous estimate of 4%.
Thursday, 10:10 am
Drivers will have to cut out their own vehicle tax discs during the death throes of the paper system, because the DVLA has run out of perforated paper.
Friday, August 22nd, 1:12 pm
Hundreds - possibly thousands - of students across the UK are falling victim to an expensive mobile phone scam, according to police.
Thursday, 1:35 pm
Lending to small and medium-sized businesses via the government's Funding for Lending scheme (FLS) fell again in the second quarter of the year.
Thursday, 11:41 am
Profit margins of large energy suppliers will be lower over the coming year compared with previous estimates, says the regulator Ofgem.
Thursday, 2:05 pm
The majority of women working part-time earn less than the minimum wage, according to the TUC.
Friday, 1:22 pm
Russia sees a risk that winter gas shortages could force Ukraine to divert supplies of Russian gas meant for EU customers.
Thursday, 1:36 pm
An open letter signed by more than 200 business figures says the case for independence “has been made”.
Thursday, 11:29 am
The UK economy will grow faster than expected this year and next, according to business lobby group the British Chambers of Commerce.
Tuesday, 12:02 am
Entrepreneurs are trying to find ways to collect rubbish in Mali's capital city Bamako but they have nowhere to process it.
Tuesday, 11:19 am
Hassan Sadpara is a mountaineering hero but has found it difficult to turn his climbing success into a successful business.
Wednesday, August 20th, 8:01 pm
As an increasing amounts of travellers visit Myanmar, a growing number of young entrepreneurs are setting up tourism sector companies.
Friday, 7:56 am
Rangers make new shares available to current shareholders and admit poor uptake could hinder payments to creditors.
Monday, 12:03 pm
England's top female rugby players will be paid for the first time as the Women's Sevens squad turns professional.
Thursday, August 21st, 2:24 pm
Aston Villa name Tom Fox as the Premier League club's new chief executive, replacing Paul Faulkner, who left in July.
Friday, 4:43 pm
Malaysia Airlines is to cut 6000 jobs, nearly a third of its staff, as part of a recovery plan following the loss of two planes this year.
Friday, 7:03 pm
Shares in Tesco reached an 11-year low after the firm cut its full-year profit forecast to £2.4bn from £2.8bn.
Friday, 1:44 pm
Dubai-based coffee trader Khalid Al Mulla, takes the BBC on a tour of his new coffee museum.
Friday, 1:41 pm
After years of inactivity, work has started again in Dubai on its World islands project, as Howard Johnson reports.
Friday, 5:57 pm
Sameer Hashmi visits a shoe factory in Mumbai and follows the products from the factory floor to the shop window.
Friday, 12:54 pm
Could the water resources in Lesotho pull its people out of poverty? Lerato Mbele reports.
Friday, 12:52 pm
The suspension of operations at a gold mine in the Ghanaian town of Obuasi, is having a major impact on the local economy.
Thursday, 7:18 am
The US online retailer Amazon and French publisher Hachette are arguing over the cost of ebooks to those buying the products for their tablets and machines.
Friday, 10:16 pm
How your landlord could soon be a corporate brand
Yesterday, 3:37 am
What's it like living in a substandard home?
Friday, 1:38 pm
What industry learned from World War One
Friday, 4:12 pm
Tesco, mortgage misdemeanours and cats in the business news
Friday, 11:33 am
What new technologies can reliably establish our identities?
Wednesday, 6:53 pm
Can Qantas fix its financial troubles?
Thursday, 10:57 am
Why Georgia's winemakers hope to boost EU sales
Wednesday, 12:01 am
'I want to build something with a global reach'
Wednesday, 12:01 am
The Italian city that as been making violins for centuries
Tuesday, 12:03 am
Could your clothes save your life?
Wednesday, 2:52 pm
How prosperous Norway has avoided the 'curse of oil'

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