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

1:10 pm (an hour ago)
The last BHS stores are set to close their doors for the final time, ending an 88-year presence on the High Street.
1:47 pm (an hour ago)
British tycoon Sir Richard Branson is a "tax exile" and should be stripped of his knighthood, shadow chancellor John McDonnell suggests.
10:12 am (5 hours ago)
The bosses of firms that make nuisance calls should be held personally responsible, the consumer group Which? says.
4:20 am (11 hours ago)
The energy company hoping to build a new nuclear power station at Hinkley Point in Somerset pleads with the government to give it the go-ahead.
Friday, 8:50 pm
Ice cream maker Ben & Jerry's recalls tubs of one of its best-selling products over concern they may contain small pieces of metal.
Friday, 7:58 pm
The case for raising US interest rates has "strengthened", the head of the Federal Reserve Janet Yellen says.
Friday, 3:45 pm
Virgin founder Sir Richard Branson says he thought he was "going to die" after crashing his bike on the Caribbean island of Virgin Gorda.
Friday, 4:34 pm
Italian luxury fashion group Prada predicts a return to growth as it seeks to connect with younger customers through online sales and flexible pricing.
Friday, 6:22 pm
Germany's Volkswagen tells a US court that it plans to compensate car dealers in America hit by the diesel emissions scandal.
Friday, 1:03 pm
The Restaurant Group, the owner of Frankie & Benny's, Chiquito and Garfunkel's, says it will sell or close 33 underperforming sites.
Friday, 3:20 pm
The UK's Information Commissioner (ICO) is looking into WhatsApp's decision to share more data with parent company Facebook.
Friday, 9:36 pm
US vice president Joe Biden announces plans to lend railway operator Amtrak $2.45bn (£1.86bn) to expand services and make upgrades.
Friday, 1:23 pm
Tesco is selling its Euphorium bakery business as chief executive Dave Lewis seeks to turn around the supermarkets fortunes.
Friday, 12:21 pm
Savers put an average of £6,338 into Individual Savings Accounts (Isas) in the last financial year, a rise of 5% on the previous year.
Friday, 8:25 am
The Hinkley Point C nuclear power plant is "not essential" for the UK to meet its energy and climate change targets, says a think tank.
Friday, 11:34 am
Strong growth in spending by consumers helped to drive the UK economy ahead of the Brexit vote, official figures show.
8:09 am (7 hours ago)
The last BHS stores are set to close for the final time after 88 years on the high Street. Joe Lynam reports.
6:01 am (9 hours ago)
Nathan Blecharczyk, one of the co-founders of Airbnb, offers the business advice he wishes he had been given when he started out.
Friday, 10:36 am
James Davidson, co-founder of pet food company Tails.com, talks to Business Live - but his dog Monty steals the show.
Friday, 9:52 pm
Despite the often frustrating employment situation for young Botswanans, one young entrepreneur is ploughing ahead while remaining thoroughly rooted in his community.
Friday, 12:06 am
BBC News takes a look around a former BHS flagship store on Edinburgh's Princes Street, empty now that the chain has ceased trading.
Thursday, 6:21 pm
Driverless taxis are being tested on the streets of Singapore for the first time.
Friday, 3:11 am
After a slow few years for India's car market, sales are powering ahead. But how about foreign car companies there?
Friday, 10:41 am
Diamonds have helped Botswana's economy over the past 50 years. But now some people are saying that the stones don't hold the same promise for the future.
Thursday, 5:33 am
As the industry races to make driverless cars viable, a small fleet of computer-driven taxis are taking passengers in Singapore.
Thursday, 4:43 pm
French wine production is likely to be 10% lower this year than in 2015 because of a spring frost and a heatwave now.
Friday, 9:52 pm
As designer handbags receive record prices at auction, women are increasingly taking them to pawn shops to borrow money against them.
Friday, 12:09 am
As the last BHS stores close this weekend, bringing to an end nearly 90 years of retail history, Emma Simpson looks at what the closures will mean for our High Streets.
Friday, 12:12 am
As the number of people living in cities rise, lower income residents are being pushed farther out to areas with fewer resources.
Friday, 12:23 am
As chat apps achieve colossal valuations and more keep coming onto the market, are we reaching chat saturation point?
Friday, 2:28 am
Twenty years ago, the US overhauled its cash welfare system - the portion of US assistance that is offered to poor families as a direct payment. But how does this system compare to other high-income countries?
Thursday, 12:16 am
A look at the growing number of businesses who are trying to make a positive difference to society by speaking out on societal or political issues, and their reasons for doing so.
Thursday, 12:07 am
Successful bosses often boast of how little they sleep, but is sleeping more better for your career?
Wednesday, 3:02 pm
Jeremy Corbyn has brought the issue of overcrowded trains into the spotlight again, but why are our trains so busy and just how bad is the problem?
Wednesday, 12:03 am
The sporting goods giants of Nike and Adidas are both looking to sell their golf club businesses. The BBC looks at what some of the reasons may be.
Tuesday, 12:24 am
After the New Zealand rugby team discover a listening device in their Sydney hotel meeting room, we examine just how much spying technology has advanced in recent years.
Tuesday, 1:20 pm
What are some of the steps that could be taken to narrow the pay gap between men and women?
Tuesday, 12:54 am
For many Australians the dream of owning their own property is slipping away. But could a shared ownership scheme help address the affordability crisis in Sydney, the country's most expensive city?
Monday, 12:02 am
We're often urged to strive for excellence, to be the best we can be, to push for more - but some argue we'd be happier if we calmed down and embraced mediocrity.
Monday, 12:02 am
How the chief executive of UPS went from low level, part-time worker to chief executive of the world's largest parcel delivery service.
Monday, 11:47 am
India appoints a government insider as the new head of its central bank. Can Urjit Patel emerge from his predecessor "rock star" Raghuram Rajan's shadow?
Friday, August 19th, 12:32 am
Online shoppers want fast websites and apps that are also visually rich and personalised, but how technically difficult is this to achieve?
Friday, August 19th, 12:36 am
The ambitious new plan to overhaul Sierra Leone's agriculture sector.
Thursday, August 18th, 12:14 am
A look at the small but growing number of luxury British watchmakers who aim to put the UK back at the forefront of the global timepiece industry.
Thursday, August 18th, 12:06 am
The weaker pound since the UK’s Brexit vote means euro-denominated EU farming subsidies could worth 15% more to British farmers next year. But the boost may be a short-term one.
Wednesday, August 17th, 5:09 pm
US athletes are leading in the Olympic medal count but when the winners return home they will be welcomed with both national pride - and a hefty tax bill.

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.

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