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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

5:29 am (an hour ago)
The government made £180m less from the sale of Royal Mail than it could have, and the process of privatising state assets should be reformed, says new report.
12:38 am (7 hours ago)
The director of Premier Oil says no new North Sea projects are profitable with oil below $60 a barrel and the industry is "close to collapse".
2:37 am (5 hours ago)
Sony cancels the release of The Interview, a film about a fictional plot to kill North Korea's leader, after major cinemas decide not to screen it.
12:38 am (7 hours ago)
People in the UK are using less energy, even though the economy is growing, new figures confirm.
3:39 am (4 hours ago)
Beauty company Avon has been fined by the US Securities and Exchange Commission for paying bribes and gifts to Chinese officials.
3:03 am (4 hours ago)
Asia stocks are rising after the Federal Reserve pledges to be 'patient' on raising interest rates from record lows.
Yesterday 6:29 pm (13 hours ago)
The German government approves plans for a controversial road toll, including charging foreigners for using the Autobahn.
Yesterday 10:06 pm (9 hours ago)
Fracking, the controversial method of oil and gas development, will be banned in New York state after a report concludes the process poses "significant public health risks".
Yesterday 4:32 pm (15 hours ago)
Russia says it is planning new measures to stabilise the rouble after its slump against the dollar.
Yesterday 7:08 pm (12 hours ago)
More shares in Lloyds Banking Group are to be sold by the government, in a move which could raise up to £3bn.
Yesterday 1:59 pm (17 hours ago)
Wage growth picked up in the three months to October and outstripped the rise in the cost of living, while unemployment fell again, official figures show.
Yesterday 4:06 pm (15 hours ago)
The prolonged slump in the price of oil forces oil-export dependent Nigeria to revise its budget plans, prompting its currency to fall to a record low.
Yesterday 4:15 pm (15 hours ago)
Chancellor George Osborne is to deliver his last Budget of the Parliament on 18 March 2015, weeks before the election.
Yesterday, 1:29 am
UK food manufacturer 2 Sisters is setting "beyond unreasonable" terms in proposed contract agreements, one of its suppliers tells the BBC.
Yesterday, 12:02 am
Petrol could soon sell for less than £1 a litre thanks to the plummeting price of oil, motoring organisation the RAC has predicted.
Yesterday 12:27 pm (19 hours ago)
Technology giant Apple says it cannot currently sell products online in Russia because the rouble's value is too volatile for it to set prices.
Yesterday 4:10 pm (15 hours ago)
Employers could scupper the season of goodwill by leaving their staff exposed to a tax charge after their Christmas party, accountants warn.
Yesterday 11:42 am (19 hours ago)
Singer Rihanna will "directly influence product collections" in her new role as women's creative director at Puma.
Yesterday 11:21 am (20 hours ago)
Pension savers with the smallest pots can be exposed to the highest levels of charges, an independent report reveals.
Tuesday, 3:45 pm
A contract has been renewed that will secure the future of the Post Office card account until at least November 2021, the government has confirmed.
Tuesday, 11:08 am
The annual rise in UK house prices slowed in October, official figures show, but prices still went up much faster than the general cost of living.
Yesterday 11:52 pm (7 hours ago)
The US Federal Reserve leaves interest rates on hold and says it "can be patient" over any decision to raise them, sending stocks higher.
Yesterday, 12:42 am
A committee of MPs criticises the government after saying taxpayers have been left "bearing all the risk" from purchases of new trains worth £10.5bn.
Tuesday, 12:16 pm
Lower fuel prices have pushed the UK's rate of inflation down to a 12-year low, official statistics show.
Monday, 12:02 am
How Paul Lindley, the boss of Ella's Kitchen, built up the UK's largest baby food business.
Tuesday, 1:41 am
Malawian business tycoon Mike Mlombwa tells the BBC how to deal with red tape and stay on the right side of the law when doing business.
Thursday, December 11th, 12:10 am
A growing number of small firms are boosting sales thanks to securing celebrity endorsements, but doing a deal with a famous figure doesn't necessarily guarantee success.
Yesterday 7:57 am (23 hours ago)
The SPFL is to withhold £250,000 due to Rangers for broadcast fees to cover a fine relating to employee benefit trusts.
Tuesday, 1:28 pm
Fifa dismisses a complaint from its own World Cup corruption investigator Michael Garcia as well as two whistleblowers.
Monday, 4:40 pm
Northern Ireland's environment minister acted unlawfully in approving a new GAA stadium in west Belfast, a High Court judge rules.
Yesterday 10:28 pm (9 hours ago)
As the Russian rouble falls in value - and prices for imported goods looks set to rise - Russians have been flocking to the stores, to spend their cash on durable goods.
Yesterday 8:12 am (23 hours ago)
The European Commissioner for Economic and Financial Affairs says he wants "to open a new ear" in the relationship between the European Union and Greece.
Tuesday, 4:38 pm
The first contactless payment gloves are being trialled in stores in the run up to Christmas - Rory Cellan-Jones put them to the test.
Yesterday, 5:04 am
A former chief executive of one of the world's biggest cosmetics firms is suing a fast food stall near his holiday home in the French Alps.
Tuesday, 9:11 am
Retail expert Mary Portas accuses the government of making "token gestures" to rejuvenate Britain's struggling high streets.
Tuesday, 12:29 pm
There is a new wave of feminism says the actor Gemma Arterton backing an MP's call for equal pay for women.
Tuesday, 1:45 am
Just over 4,000 Rolls Royce cars will be built this year, a record number and Asia is a major market.
Tuesday, 2:47 am
A private survey shows that China's key manufacturing sector is suffering a slowdown.
12:33 am (7 hours ago)
Those who plan to spend the day working rather than celebrating
Yesterday 9:58 pm (9 hours ago)
Five economic upsides to the US-Cuba deal
Tuesday, 8:46 pm
Online art sales boom, led by Chinese buyers
Yesterday 11:56 am (19 hours ago)
Will Juncker's new EU fund lure investors?
Yesterday, 1:05 am
Can Russia avoid economic disaster?
Yesterday, 12:02 am
The villagers who are losing out to sugarcane
Tuesday, 12:02 am
Trinidad's music pirates are still at large
Tuesday, 12:01 am
The tech thwarting shopping's "returnaholics"
Tuesday, 12:45 am
Has China really got the largest economy in the world?


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.

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 out 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.

Paul Reyner, Fagan and Whalley