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

12:00 am (4 hours ago)
The Greek government made "completely unrealistic promises" to voters that it cannot now fulfil, the former European Commission president tells the BBC.
Yesterday 10:09 pm (6 hours ago)
The fast-food giant McDonald's says it will raise the pay of more than 90,000 US employees to at least $1 above the legal minimum wage.
3:02 am (an hour ago)
The leaders of seven political parties gear up for a live, two-hour televised general election debate later.
Yesterday 10:54 pm (5 hours ago)
US food giant Kraft is being accused by US watchdog the Commodities and Futures Commission of manipulating the price of wheat.
3:38 am (28 minutes ago)
Asian shares headed higher on Thursday but investors were cautious ahead of a Good Friday public holiday tomorrow in some major markets.
Yesterday, 12:01 am
A number of tax changes come in on 1 April, one of which will mean cheaper flights for many travelling on long-haul flights.
Yesterday 12:00 pm (16 hours ago)
The productivity of the UK workforce remains slightly lower than in 2007, marking an "unprecedented absence" of growth in the post-war era, official figures show.
Yesterday 6:37 pm (9 hours ago)
Labour will end the "epidemic" of zero-hours contracts that are "undermining family life", Ed Miliband insists.
Yesterday 10:38 am (17 hours ago)
Manufacturing and jobs are picking up in the eurozone thanks to the weaker euro, according to a closely-watched survey.
Yesterday 2:48 pm (13 hours ago)
Some of India's richest businessmen have appointed their wives as company directors to comply with a new law.
Yesterday 11:55 am (16 hours ago)
People who have large amounts of money in their bank accounts "temporarily" will be soon protected in the event of their bank going bust, the Bank of England says.
Yesterday 11:28 am (17 hours ago)
EU milk quotas are scrapped, bringing an end to more than 30 years of efforts to prevent overproduction.
Tuesday, 9:38 pm
In an attempt to attract more household shoppers, Amazon unveils a button for replenish items such as washing powder and razors.
Tuesday, 6:49 am
Some of the biggest names in entertainment have re-launched the music subscription service Tidal, which they claim will change musical history.
2:37 am (an hour ago)
India's cricket stars can earn millions of dollars, but now other sports players are finding new ways to up their income.
2:50 am (an hour ago)
Asia's pharmaceutical giant Takeda has its first foreign boss in its 200-year history. Christophe Weber tells the BBC about his priorities.
12:00 am (4 hours ago)
There is nothing holding Greece back except "sometimes bad politics", says Jose Manuel Barroso, former president of the European Commission.
Yesterday 7:15 pm (9 hours ago)
Steph McGovern speaks to business owners and families in Ottery St Mary about how they feel about the effects of inflation.
Yesterday 6:43 am (21 hours ago)
Business confidence in Japan flounders as last year's sales tax hike continues to hit sentiment.
Yesterday, 12:13 am
Europe has its priorities wrong and should be focusing on what is going on in Ukraine, says billionaire investor George Soros.
Yesterday, 2:08 am
Comedian and writer Colm O'Regan casts his comic lens upon the complexities of capitalism.
Tuesday, 7:51 pm
Official figures show that the UK economy grew by 2.8% in 2014, the highest rate of growth since 2006.
12:00 am (4 hours ago)
Have supermarket price wars killed the loyalty card?
12:00 am (4 hours ago)
The top 10 questions you need to ask about pension changes
12:02 am (4 hours ago)
Will Ethiopia's teff be the next must eat 'super grain'?
Yesterday, 12:06 am
The luxury goods that speak for themselves
12:09 am (4 hours ago)
The girlfriend and cat watched by home cam
Yesterday, 12:02 am
Can you win at anything with enough practice?

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