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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

9:14 am (45 minutes ago)
The Black Friday sales get under way, but early signs are that stores have seen smaller crowds than last year as sales switch online.
9:24 am (35 minutes ago)
China's Shanghai Composite share index closes down by more than 5% after several major brokerage firms announce they are under investigation.
7:13 am (3 hours ago)
The decision to allow shale gas drilling - or fracking - in Lancashire will be made directly by the government, it has emerged.
9:16 am (43 minutes ago)
The annual rate of increase in UK house prices slowed slightly in November, according to the latest survey from the Nationwide.
9:42 am (17 minutes ago)
The UK economy grew by 0.5% in the third quarter of the year, official figures have confirmed, unchanged from the initial estimate.
Yesterday 5:25 pm (17 hours ago)
The number of vehicles without road tax - Vehicle Excise Duty (VED) - doubled to 560,000 after the paper tax disc was abolished in October 2014.
Yesterday 4:26 pm (18 hours ago)
"Very significant" government spending cuts will be imposed before the next general election, the Institute for Fiscal Studies think tank warns.
2:11 am (8 hours ago)
Australian mining giant BHP says mud spilled by the devastating collapse of a dam at a Brazilian mine is not toxic.
2:24 am (8 hours ago)
Shares in Asia's biggest budget airline, AirAsia, fell as much as 7% on Friday after the firm posted a loss in the three months to September.
Yesterday 11:57 am (22 hours ago)
Banking giant Barclays has been fined £72m for failing to conduct proper checks on very rich clients because it did not want to inconvenience them.
Yesterday 10:45 am (23 hours ago)
Network Rail reports a fall in half-year profits and admits that train punctuality is inadequate after failing to reach its 90% target.
Yesterday 8:13 pm (14 hours ago)
Four partners at the Belfast office of KPMG are arrested in connection with suspected tax evasion.
5:39 am (4 hours ago)
How far has the traditional start of the US Christmas shopping season - Black Friday - spread around the world?
Yesterday, 12:04 am
The BBC's Emma Simpson looks at the origin of the shopping phenomenon known as Black Friday and its impact on the UK economy.
6:08 am (4 hours ago)
India's government is boosting its renewable energy programme to help the environment - the country's start-up businesses are also trying to tackle the challenge.
6:12 am (4 hours ago)
Thousands of Indonesian workers are taking part in a four-day strike calling for the repeal of a new regulation they say limits pay raises.
Monday, November 16th, 2:42 pm
Claire Reid, 29, of Reel Gardening on when she realised she was onto a good idea for her business
Monday, November 16th, 10:59 am
Michelle Sun, 28, the founder of First Code Academy on how she made the leap from investment banking to starting her own business
Wednesday, 11:43 pm
Michael Jackson's notorious Neverland ranch has been on the market for six months without a buyer - now one entrepreneur is hoping to sell to an Asian buyer.
Wednesday, 11:52 pm
India has promised to generate 40% of its energy from renewables within 15 years - but as the world's third largest greenhouse gas emitter - how will it do it?
12:25 am (10 hours ago)
It's a love-hate relationship
12:28 am (10 hours ago)
Do social media apps in the office spell the end for work emails?
12:27 am (10 hours ago)
Power cuts are seriously affecting many of Zambia's businesses
Yesterday, 12:09 am
Should the UK choose between the EU and the Commonwealth?
Yesterday, 12:13 am
The businesses offering hope to Mexican prisoners
Wednesday, 12:18 am
How Ireland built a cheese movement
Yesterday 3:04 pm (19 hours ago)
Osborne's £12bn welfare cuts rely on delayed Universal Credit
Wednesday, 2:49 pm
Why are so many European universities merging?
Wednesday, 12:26 am
The Budapest cafe perking up a former red light district


An investigation found an explosion resulted from a screw connection to an autoclave locking ring which secured a door to a machine.


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


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.


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.


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.


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.


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.


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