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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

12:12 am (6 hours ago)
UK consumers using their mobile phones in Europe will see cheaper bills from Saturday, as a further cap on roaming charges takes effect.
Yesterday 9:50 pm (8 hours ago)
The collapse of BHS into administration has led to questions about the way it was managed and whether its demise was inevitable.
Yesterday 3:58 pm (14 hours ago)
Oil giant Exxon Mobil reports a 63% slide in first quarter profits following low crude prices, while rival Chevron slumps to a $725m loss.
Yesterday 12:35 pm (18 hours ago)
The eurozone's economy grew by a faster-than-expected 0.6% in the first three months of the year, but deflation returns.
Yesterday 6:38 pm (12 hours ago)
More than 100 business figures throw their weight behind the campaign to leave the EU, arguing the City of London will "thrive and grow" outside the European Union.
Yesterday 8:24 am (22 hours ago)
Royal Bank of Scotland reports a loss of £968m for the first three months of 2016 - more than double the figure for the same period last year.
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Billionaire investor Carl Icahn unloads his shares in Apple over the company's prospects in China.
Yesterday 1:41 pm (16 hours ago)
Airline group IAG, the owner of British Airways and Iberia, says it will slow plans to fly more routes as a result of weaker revenues following the Brussels attacks.
Yesterday 4:18 pm (14 hours ago)
Eight construction firms have offered financial settlements to workers who said they were blacklisted within the industry.
Thursday, 9:14 pm
A shareholder revolt over excessive executive pay hits Weir Group, Shire, Standard Chartered and Reckitt Benckiser.
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Shares in the Restaurant Group - the owner of Chiquito, Frankie & Benny's and Garfunkel's - dive more than a quarter after cutting its forecast.
Yesterday, 12:05 am
The government's plan to extend the Right to Buy to Housing Association tenants is sharply criticised by a group of MPs.
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Amazon reports a profit of $513m in its first quarter, helped by a 28% jump in sales.
Yesterday, 4:43 am
Australian court fines Reckitt Benckiser, the maker of Nurofen, A$1.7m for misleading consumers over pain products.
Yesterday 1:01 pm (17 hours ago)
A complex Court of Appeal ruling may mean reimbursement for some jobseekers whose benefits were docked after refusing to participate in unpaid back-to-work schemes.
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Despite Nigeria's economic challenges, the hospitality industry still sees room for growth.
Thursday, 8:56 pm
With one week of polling left in the Welsh Assembly Elections the steel industry is dominating the campaign.
Thursday, 6:55 pm
BBC Breakfast's Steph McGovern takes a look at where the financial services industry stands on Britain's membership of the EU.
Yesterday, 1:22 am
A top executive at Qantas says the Australian election in July could hit demand for air travel.
Thursday, 3:08 pm
Some companies are reforming their "pay and reward structures" to offset the cost of introducing the National Living Wage, leaving their workers worse off.
Thursday, 1:07 pm
WPP chief executive Sir Martin Sorrell has defended his pay package and the success of WPP, the advertising giant he founded in 1985.
Thursday, 12:00 am
Vehicle manufacturers in China are hoping to introduce the self-drive car within two or three years.
Yesterday 9:55 pm (8 hours ago)
Just how flexible can your job be?
Yesterday, 12:00 am
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The story behind France's economic malaise
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The growing number of people switching careers in later life
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China's push for driverless cars accelerates
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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.

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