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

11:45 am (5 hours ago)
The Bank of England governor robustly defends his stance on the UK's EU referendum debate and accuses one of his critics of trying to "undermine" the Bank's remit.
2:53 pm (an hour ago)
French finance officials raid the Paris offices of US internet giant Google as part of a €1.6bn tax fraud investigation.
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Government borrowing was higher than analysts' expectations in April after company tax payments were lower than forecast.
12:01 pm (5 hours ago)
Approval for fracking in North Yorkshire raises the prospect of the controversial technique being allowed at other sites and restarts an intense debate.
10:26 am (6 hours ago)
The number of UK properties sold nearly halved between March and April, HMRC figures show, as changes to stamp duty were introduced.
3:18 pm (an hour ago)
Holidaymakers have been rushing to buy travel money, in case the pound falls in value after the EU referendum, according to currency experts.
10:05 am (7 hours ago)
Swiss financial regulators open criminal proceedings against the country's BSI bank over links to the corruption investigation into Malaysia's 1MDB fund.
4:02 pm (34 minutes ago)
A strike over new labour laws spreads to all of France's eight oil refineries, the CGT union says, in an escalating dispute with the government.
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A sugar shortage has forced Coca-Cola to stop producing soft drinks in Venezuela amid an escalating food and energy shortage.
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Streaming music platform Spotify saw revenue top 1.95bn euros ($2.2bn; £1.5bn) over the past year, but has yet to make a profit.
12:39 pm (4 hours ago)
The FTSE 100 rises, with shares in Kingfisher up after "solid" first-quarter sales, while the pound jumps after the latest EU referendum poll.
Yesterday, 12:03 am
More than 500m cheques were written in 2015, confounding expectations that the payment method is disappearing, according to Payments UK.
Yesterday, 10:46 am
Lego products are growing more violent as toy makers engage in an 'arms race' to catch the attention of children in a digital age, a new study says.
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BBC Breakfast's Steph McGovern goes to Edinburgh airport to look at what impact EU membership has on travel and tourism.
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A London-based company says a self-imposed tax could solve the gender pay gap.
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Nadiem Makarim, the co-founder of Indonesia's mobile app Go-jek says that to be successful, "you have to out-innovate everybody else".
Yesterday, 6:58 am
Brent Hoberman, co-founder of lastminute.com, offers the business advice he wishes he had been given before he started out, for the BBC News series CEO Secrets.
Yesterday 6:53 pm (22 hours ago)
Leaving the European Union would tip the UK into a year-long recession, with up to 820,000 jobs lost within two years, Chancellor George Osborne has claimed.
Saturday, May 21st, 9:27 am
Research suggests many people do not understand how credit scores work - BBC News busts some common myths.
Sunday, May 22nd, 6:11 am
BBC News is given an exclusive look inside the workings of Brompton Bikes' new factory in west London.
Saturday, May 21st, 6:31 am
What's thought to be the first dog to accept payments from contactless cards is starting work - taking donations for the pet charity, Blue Cross.
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Sunday, May 22nd, 10:01 pm
The divorced couple who built a global shoe company
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The rise and fall of Britain's steel industry
Saturday, May 21st, 5:30 pm
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PRESSURE SYSTEM FAILURE LEADS TO LARGEST EVER CORPORATE MANSLAUGHTER FINE

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

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