PRIVATE CLIENT

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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 or email peterb@backhouse.co.uk 

12:35 pm (an hour ago)
After nearly six years of falling real wages, weekly earnings have finally caught up with inflation, according to the Office for National Statistics.
11:16 am (3 hours ago)
The number of people out of work in the UK has fallen by 77,000 to a five year low of 2.24 million in the three months to February, official figures indicate.
8:30 am (6 hours ago)
UK supermarket giant Tesco announces a 6% fall in annual group trading profit to £3.3bn, the second year that profits have fallen.
11:00 am (3 hours ago)
Starbucks is to move its European head office to London by the end of the year, meaning it will pay more tax in the UK, the company says.
1:44 pm (20 minutes ago)
Bank of America reports a $276m first-quarter loss, after taking into account a $6bn charge for mortgage-related legal matters.
12:20 pm (an hour ago)
Paul Flowers, the former chairman of the Co-operative Bank and ex-Methodist Church minister, is charged with three counts of drug possession.
5:38 am (8 hours ago)
China's economy expanded by 7.4% in the first quarter of the year, better than expected but down from 7.7% at the end of 2013.
12:40 pm (an hour ago)
Upbeat forecasts for Sports Direct and better-than-expected Chinese growth data send the FTSE 100 higher.
12:02 pm (2 hours ago)
Communities in sub-Saharan Africa are being "hurt" by high fees charged by money transfer operators, charity Comic Relief says.
11:35 am (2 hours ago)
Hundreds of thousands more people are turning to food banks to stop themselves from going hungry, says charity the Trussell Trust.
1:20 pm (45 minutes ago)
The Scottish economy grew by 0.2% in the final three months of 2013, compared with growth of 0.7% in the UK as a whole.
2:28 am (12 hours ago)
The US tells China its currency must be allowed to rise if its own and the rest of the world's economy are to see stable growth.
8:51 am (5 hours ago)
Swiss bank Credit Suisse has found nothing "materially untoward" in how it trades foreign currencies, finance officer David Mathers has said.
Yesterday 9:59 pm (16 hours ago)
Shares in the struggling internet search giant Yahoo surge 9%, despite first-quarter profits falling 20%.
Yesterday 8:19 pm (18 hours ago)
The amount of fizzy drinks Coca-Cola sells worldwide falls for the first time in 15 years, but still drinks sales are up by 8%.
Yesterday, 11:39 am
Jobseekers in Derby will be given free bikes refurbished by prisoners in a bid to help them find work.
Friday, April 11th, 6:01 pm
Former Leeds United footballer, Danny Mills, is among investors who stepped in to save 35 West Cornwall Pasty Company outlets
Yesterday, 11:32 am
The rate at which UK house prices are rising has continued to increase, official figures show, with prices up 9.1% in the year to February.
Monday, 9:14 am
Almost 4m families have enough money to pay their rent or mortgage for only a month, if made jobless, housing charity Shelter says.
Monday, 10:33 am
Starting salaries for graduate jobs, even in the best-paid fields of medicine and dentistry, have fallen 11% in five years, research suggests
Yesterday, 1:50 pm
The Russian economy may see zero growth this year because of the Ukraine crisis, Russia's finance minister has admitted.
Yesterday 2:56 pm (23 hours ago)
A sharp fall in petrol prices helped to keep US consumer inflation well below the Federal Reserve's 2% target in March.
Yesterday, 11:26 am
UK's inflation rate, as measured by the consumer prices index, fell to 1.6% in March, the Office for National Statistics says.
Monday, 12:06 am
A profile of Henry Engelhardt, the boss of insurance group Admiral, and why he wants his staff to have fun.
Wednesday, April 9th, 7:37 pm
After decades of decline, Taiwan's bamboo industry is now recovering as the plant is being used to make a wider range of goods, says the BBC's Cindy Sui.
Tuesday, April 8th, 12:06 am
How can firms engage their employees? Whole Foods chief executive John Mackey explains how he motivates his staff.
9:57 am (4 hours ago)
Premier League players at Manchester City are the best paid in global sport, according to a recently published report.
9:49 am (4 hours ago)
Ukio Bankas creditors approve the sale of its shares in Hearts, who can now begin their move out of administration.
Yesterday, 1:56 pm
The French Open will pay prize money of more than £20.6m this year, with the singles champions each receiving £1.36m.
8:26 am (6 hours ago)
Biz Stone discusses his new social app Jelly which he hopes will encourage people to help each other out.
10:06 am (4 hours ago)
China's economy grew 7.4% in the first three months of the year - slightly better than expected, but below the government's target.
12:03 pm (2 hours ago)
British Airways have announced plans to run some of its jet planes on rubbish.
1:06 am (13 hours ago)
Singapore Airlines is planning a multi-path route to growth - adding partnership arrangements and sponsorship deals to boost its prospects.
1:07 am (13 hours ago)
China's economic reform agenda could slow growth on the mainland, first quarter economic figures will be closely watched.
Yesterday, 10:39 am
The UK inflation rate as measured by the Consumer Prices Index (CPI) fell to 1.6% in March from 1.7% in February, according to the Office for National Statistics (ONS).
Yesterday, 6:30 am
A leading UK site for parents and the Canadian tax authority have both announced they have had data stolen by hackers exploiting the Heartbleed bug.
Yesterday, 11:53 am
HSBC is to set up a £6 billion fund for lending to small and medium sized businesses around the UK.
12:00 am (14 hours ago)
Would this dessert taste different on a black plate?
9:14 am (5 hours ago)
How GDP became such an important measurement
12:02 am (14 hours ago)
How 3D printing is changing the shape of lessons
Monday, 12:13 am
The men who got rich selling empty space
Yesterday, 12:05 am
New tech helps small firms shoot for the stars
Yesterday, 12:12 am
Should offices change from sitting to standing?
Yesterday, 12:00 am
When implementing change brings a personal backlash
Monday, 12:10 am
Can coal become the low carbon energy of the future?

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