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

Yesterday 9:08 pm (4 hours ago)
A pay package proposed for the new head of gas giant BG Group is branded "excessive and inflammatory" by the Institute of Directors.
Yesterday 3:13 pm (10 hours ago)
Ana Botin has moved swiftly to reshape Santander, ousting its chief executive after less than two years in the role.
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A "toxic" and "aggressive" culture inside banks will take a generation to change, according to a report from Cass Business School and New City Agenda.
Yesterday 3:11 pm (10 hours ago)
The US economy grew much faster in the third quarter than first reported, official figures have shown.
Yesterday 7:26 pm (6 hours ago)
The dairy industry is in a desperate state, a government committee hears.
Yesterday 12:09 pm (13 hours ago)
The number of mortgages being granted by Britain's banks falls by 16% over the last year, according to banking industry body, the BBA.
Yesterday 5:08 pm (8 hours ago)
A report examining the "evidence base" for policymaking suggests big sporting events have little or no direct economic benefit - and challenges other assumptions about teaching and police.
Yesterday 12:51 pm (12 hours ago)
Big budget productions including the latest Star Wars and Avengers films have helped profits higher at Pinewood Shepperton.
Yesterday 10:13 am (15 hours ago)
Mitchells & Butlers (M&B), the pubs and restaurants group, has reported a drop in profit for the year despite a rise in sales.
Yesterday 2:11 pm (11 hours ago)
The eurozone may be stuck in an enduring period of no growth, the Organisation for Economic Co-operation and Development says.
Monday, 11:56 pm
Internet retailing giant Amazon is offering its online customers access to Royal Mail's Local Collect "click and collect" network.
Yesterday 7:44 am (17 hours ago)
Kingfisher, the owner of the B&Q DIY chain, has blamed "particularly difficult" trading conditions in France for a fall in third quarter profits.
Yesterday 5:28 pm (8 hours ago)
Nigeria has devalued the naira, saying a drop in oil prices has been making it hard to defend its currency.
Yesterday 8:34 am (17 hours ago)
Sony Pictures Entertainment has been targeted by computer hackers in an attack which reports say has forced the company to shut down its corporate network.
Monday, 6:41 pm
A businessman who wrote a government report that criticised RBS has been told he can no longer remain a customer of the bank, Panorama learns.
Yesterday 12:53 pm (12 hours ago)
Universal Pictures take on a movie based on the life of Apple co-founder Steve Jobs following Sony Pictures' departure from the project.
Friday, November 21st, 1:29 pm
La Liga giants Valencia are facing a fight to be allowed to use a bat symbol on their crest - from the creators of Batman.
Monday, 11:58 am
The elderly and the unemployed used to be most at risk of poverty, but a new report claims it is now the young and those in work who are most vulnerable.
Monday, 1:07 am
Royal Bank of Scotland apologised for giving incorrect evidence to a parliamentary hearing, letters released by the Treasury Committee reveal.
Monday, 2:50 pm
Regulators have issued a warning to consumers over a bank falsely claiming to operate in the Channel Islands.
Yesterday, 12:20 am
Optimism among companies in the UK services sector is at its lowest for 21 months, according to a survey by the CBI.
Monday, 1:38 pm
The falling oil price is costing Russia up to $100bn a year, while Western sanctions have hit the country by a further $40bn, its finance minister says.
Monday, 2:50 am
Global business confidence slipped to five-year low in October, according to a survey of 6,100 companies from Markit Economics.
Wednesday, November 19th, 7:51 pm
How McDonald's, a beefburger company, penetrated and grew a business across India.
Thursday, November 20th, 12:10 am
As more Emirati women enter the private sector, a growing number are going into fashion design, reports Verity Ratcliffe from Dubai.
Tuesday, November 18th, 8:17 pm
The new government in Afghanistan says it wants to make it easier to do business in the country - but will things change?
Sunday, November 23rd, 8:57 pm
The European Tour releases its 2015 schedule - with new events in Thailand, India, China, Scotland, Germany & Mauritius.
Sunday, November 23rd, 2:28 pm
Bournemouth chairman Jeff Mostyn says the club are looking to expand the Goldsands Stadium to 18,000.
Thursday, November 20th, 7:41 pm
The head of Fifa's Audit and Compliance Committee is to evaluate reports into alleged World Cup corruption.
Yesterday 6:30 pm (7 hours ago)
Two students who wrote a poem complaining to Tesco say they were "very impressed" to receive a reply - in verse.
Yesterday 11:20 pm (an hour ago)
Click and collect services, where customers can pick up their online shopping from a range of destinations, are rapidly growing in popularity.
Yesterday 3:11 am (22 hours ago)
Asia's population is rapidly ageing, but many countries in the region are ill-equipped to deal with the older generation.
Yesterday 2:49 am (22 hours ago)
Regina Lopez is from a wealthy family in the Philippines. Now she is using her influence to help clean up one of Manila's most toxic water systems.
Yesterday, 12:02 am
As part of the African Dream series, we profile an entrepreneur who turned his back on banking to set up a shoemaking company in Ghana.
Monday, 1:37 pm
Royal Bank of Scotland has apologised for giving incorrect evidence to a parliamentary hearing, it has emerged.
Monday, 5:47 pm
The Bank of England's chief economist Andy Haldane talks to the BBC's Robert Peston about "secular stagnation".
Monday, 2:27 pm
Russia's president has warned of "catastrophic consequences" if the rouble continues to slide. The BBC examines how we got here.
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Should Opec cut production to boost prices?
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The new ways of running companies and doing business
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Can schools with iPads protect the future of a language?
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The Indians losing everything to bogus investment
Yesterday 1:18 am (24 hours ago)
Will immigration reform boost the US economy?
Yesterday, 12:19 am
How Ukraine's tech sector is look to Europe for a brighter future
Yesterday, 12:02 am
Ten top business tips from Ghana's banker turned shoemaker
Monday, 12:14 am
The couple who changed the way we shop

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.

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