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

11:16 am (10 hours ago)
The UK's economy grew by 2.6% last year, the fastest pace since 2007, but there was a slowdown in the last three months, figures from the Office for National Statistics show.
11:22 am (10 hours ago)
Dubai International has taken over from Heathrow as the world's busiest international airport in terms of yearly passenger numbers.
6:02 pm (3 hours ago)
EDF says it will cut gas prices by 1.3%, the last of the "big six" energy firms to reduce prices in the wake of a fall in the wholesale price of gas.
6:43 pm (2 hours ago)
US stocks fall sharply following a string of disappointing company results.
3:01 am (18 hours ago)
It is unrealistic to expect Greece to repay its huge debt in full, a spokesman for Syriza - which won Sunday's election - tells the BBC.
1:59 pm (7 hours ago)
A survey of 27,000 rail passengers found 81% were satisfied with the service last year, compared with 83% in 2013.
12:37 pm (8 hours ago)
The upmarket supermarket chain, Waitrose, expects to create 2,000 jobs in new shops and by expanding existing sites.
5:45 pm (3 hours ago)
Two million bank customers will be able to claim compensation for being sold unnecessary insurance policies covering the loss or theft of their bank cards.
1:16 pm (8 hours ago)
Global international tourist numbers exceeded 1.1 billion in 2014, an increase of 4.7% on the previous year, according to the UN.
5:21 pm (4 hours ago)
The Irish government is examining a €1.36bn offer for airline Aer Lingus from British Airways owner IAG.
10:44 am (10 hours ago)
Easyjet expects first half losses to shrink, helped by growing capacity and a record number of business passengers.
10:09 am (11 hours ago)
Both borrowing and saving by customers of the UK's main banks picked up during 2014, according to figures from the British Bankers' Association (BBA).
5:26 pm (3 hours ago)
The benchmark FTSE 100 index falls, despite a rise in airlines shares which was helped by an upbeat trading update from Easyjet.
8:56 am (12 hours ago)
Facebook says it was responsible for a fault that caused its social network, Instagram photo service and other apps to become unavailable for about 40 minutes.
9:07 am (12 hours ago)
Foxtons, the high profile London estate agency, says its income from home sales fell sharply at the end of last year.
Yesterday 11:11 pm (22 hours ago)
Russia's credit rating is cut to junk by US ratings agency Standard and Poor's for the first time in a decade.
7:14 am (14 hours ago)
Rangers agree a £10m loan from Mike Ashley's Sports Direct to relieve the club's "perilous" financial state.
4:31 am (16 hours ago)
Australia's national carrier Qantas will axe fuel surcharges on international ticket prices, but will raise base air fares to compensate for the cut.
Friday, January 23rd, 5:10 pm
The influential 172-year-old publication sells 1.6m print copies a week
12:00 am (21 hours ago)
Families with young children and poorer households have been worst affected by government changes to tax and benefits, according to a new report.
Yesterday, 11:58 am
Energy company SSE says it is cutting its domestic gas prices by 4.1% from 30 April, saving the average household £28 a year.
Yesterday, 2:34 pm
A consortium of estate agents has launched a new property website to rival Rightmove and Zoopla, which dominate the market.
Yesterday, 8:15 pm
The German government warns Greece that it must meet its commitments to lenders, after the election win of the Greek anti-austerity Syriza party.
Saturday, January 24th, 3:34 pm
A top official at the European Central Bank warns that unemployment and low growth are undermining the European Union.
Friday, January 23rd, 3:34 am
Growth in South Korea - Asia's fourth largest economy - fell to a six year low in the fourth quarter of last year, latest figures show.
Thursday, January 22nd, 12:01 am
Indigenous tribes in Brazil are increasingly turning towards tourism to make their living, but there are concerns that some may be being exploited, reports Donna Bowater from the Amazon.
Sunday, January 18th, 11:39 pm
How UK entrepreneur Emily Brooke was inspired to develop a new bicycle light, the Blaze Laserlight, which as the name suggests, projects a laser onto the road.
Wednesday, January 14th, 9:17 pm
Since the Fukushima nuclear disaster of 2011, sales of sake from the region have plummeted, with radiation fears putting off Japanese consumers and China banning their import.
Sunday, January 25th, 11:49 pm
Fifa president Sepp Blatter accuses Uefa of lacking the "courage" to challenge his leadership in May's election.
Friday, January 23rd, 7:48 pm
Rangers and Mike Ashley agree that Ibrox Stadium will now not be used as security over any further loans.
Thursday, January 22nd, 12:22 pm
The head of the International Olympic Committee says any country bidding to host the Games must make a commitment to "non-discrimination".
6:27 pm (2 hours ago)
How can Chinese bosses ensure their firms succeed globally?
2:05 pm (7 hours ago)
Land Rovers, Minis and Jaguars are being brought off the Hoegh Osaka, which is now docked in Southampton.
12:06 am (21 hours ago)
Retirement can be uncertain for former professional tennis players - but some are finding new ways to employ their skills.
1:14 pm (8 hours ago)
Phil Atherton, sales and marketing director of the Portmeirion Group in Stoke, tells the BBC he thinks the GDP figures released on Tuesday morning "are very positive".
1:32 am (19 hours ago)
Some Australian firms have embraced new businesses, but just how far should they diversify? BBC's Phil Mercer finds out.
12:00 am (21 hours ago)
A video explaining poverty across the globe, as part of the BBC's new A Richer World season - exploring prosperity, poverty and inequality.
Yesterday 10:08 pm (23 hours ago)
The man who was the architect of Greece's bailout has said he expects the country to still pay back its entire debt even if repayment terms have to be altered.
Yesterday 11:58 pm (21 hours ago)
Syriza leader Alexis Tsipras has vowed to renegotiate Greece's bailout, worth €240bn (£179bn; $268bn), to end Greece's "humiliation and pain".
8:08 pm (47 minutes ago)
The desperate patients in India turning to illegal blood donors
8:11 pm (44 minutes ago)
The drive to innovate rather than imitate
12:05 am (21 hours ago)
What does it take to join the wealthy elite?
12:07 am (21 hours ago)
Finding a new job after hanging up the tennis racquet
12:05 am (21 hours ago)
Where next for the eurozone?
12:07 am (21 hours ago)
Africa's "solar-preneurs" bring light to the unconnected
Yesterday, 10:57 am
Whatever happened to the future of transport?
Yesterday, 12:00 am
The young car fan whose website is a growing hit with petrolheads

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