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 or email peterb@backhouse.co.uk 

Yesterday 11:22 pm (8 hours ago)
Lloyds Banking Group is fined £218m for "serious misconduct" relating to key interest rates including Libor.
Yesterday 10:05 pm (10 hours ago)
An oath for bankers should be introduced to raise accountability and standards in banking, says a think tank.
3:28 am (4 hours ago)
Microsoft confirms that officials from the Chinese regulatory body responsible for enforcing business laws have visited some of its offices.
Yesterday 7:15 pm (12 hours ago)
Government guidance that fracking licences can only be issued for beauty spots in "exceptional circumstances" receives a mixed response from campaigners.
Yesterday 7:54 pm (12 hours ago)
Russia will appeal against a court decision ordering it to pay the biggest compensation package to date, amounting to $50bn (£29.5bn) in damages.
Yesterday 11:27 am (20 hours ago)
Seven out of 10 regions of England and Wales recorded month-on-month falls in house prices in June, according to the Land Registry.
Yesterday 4:24 pm (15 hours ago)
Emirates Airline will stop flying over Iraq to protect its passengers from the threat of Islamic militants on the ground, according to reports.
Yesterday 4:20 pm (15 hours ago)
Britain's biggest private healthcare company tells the BBC that it is charging its own customers too much and that the industry needs to urgently rethink how it sets prices.
Yesterday, 12:05 am
The best credit unions should be empowered to offer short-term loans that are cheaper than those offered by payday lenders, according to a report from a think tank.
Yesterday, 1:06 am
Frauds committed by those aged 26-35 rise 285% in the first half of the year, to just over £62m, according to research by accountants KPMG.
Sunday, July 27th, 1:52 pm
Profit warnings from UK companies have hit a three-year high despite the continuing recovery in the wider economy, a report finds.
Yesterday 8:11 am (23 hours ago)
Budget airline Ryanair has raised its annual profit forecast after seeing a sharp rise in earnings for the three months to June.
Yesterday, 12:05 am
Councils should show where they are spending the money they raise on parking fees as motorists see higher charges, says the RAC.
Sunday, July 27th, 12:24 pm
Deutsche Bank, HSBC and Bank of Nova Scotia are accused of attempting to rig the price of silver, in a lawsuit filed in the US.
Saturday, July 26th, 2:30 pm
A group of local councils in England is formally asking the government for new powers to tax large supermarkets, a plan dubbed the "Tesco tax".
Friday, July 25th, 2:42 pm
The UK economy grew 0.8% in the second quarter and has now recovered the ground lost since the downturn began in 2008, according to official figures.
Friday, July 25th, 6:23 pm
Shares in Royal Bank of Scotland have jumped 11% after it said it expects pre-tax profits to double to £2.65bn for the first half of the year.
Friday, July 25th, 5:39 pm
Marks and Spencer says it will not be selling red grouse this year after concerns about the way in which the game birds are killed.
Friday, July 25th, 11:14 am
The economic recovery in the UK has not been felt by youngsters who have seen their pocket money fall in the last year, a survey suggests.
Friday, July 25th, 1:40 pm
People with disabilities face a "premium" of £550 a month owing to extra transport, insurance and living costs, a charity has claimed, prompting a commission to be launched.
Friday, July 25th, 6:45 pm
A travel company goes into administration with the loss of 89 jobs and a knock-on effect on hundreds of customer bookings.
Thursday, July 24th, 4:02 pm
Only a third of "nuisance" calls are blocked by a service that allows individuals to opt-out of marketing calls, research has found.
Yesterday 7:01 pm (13 hours ago)
A four-week strike in South Africa's steel and engineering industries has come to an end after the country's biggest trade union sealed a deal with employers.
Friday, July 25th, 3:20 pm
Russia's central bank has unexpectedly said it will raise its key bank interest rate over concerns about inflation and "geopolitical tension".
Thursday, July 24th, 4:50 pm
The International Monetary Fund (IMF) has lowered its forecast for global economic growth this year, from 3.7% to 3.4% but the UK's forecast is raised.
Friday, July 25th, 12:13 am
Three business investors answer our readers' questions about how they judge whether or not to invest in a business venture.
Thursday, July 24th, 12:00 am
With a growing number of people going out for meals on their own, restaurants are increasingly seeking to appeal more to solo diners, reports Barbara Balfour.
Monday, July 21st, 11:50 pm
Easy Taxi founder Tallis Gomes explains how the difficulties of hailing a cab in Rio de Janeiro led him to create his smartphone app.
Thursday, July 24th, 3:51 am
A betting levy to help fund community facilities and treat gambling addiction is among proposals considered by Labour in a "long-term innovative plan for sport".
Wednesday, July 16th, 5:28 pm
Real Madrid has topped an annual Forbes list of the world's most valuable sports teams.
Monday, July 14th, 9:13 pm
Ray Whelan, the British boss of a World Cup hospitality firm, surrenders to a Brazilian judge amid a probe into alleged illegal ticket sales.
12:03 am (8 hours ago)
How did Michael Jackson help inspire a handbag firm?
12:01 am (8 hours ago)
Nigeria's film industry finds new audiences online
Yesterday, 12:01 am
Why two Spanish sisters started a bakery in a desert
Yesterday, 12:31 am
Why do Germany's super-rich so often keep their heads down?
Sunday, July 27th, 9:45 pm
Sharp falls in China's property market
Friday, July 25th, 10:19 pm
Rising house prices left me high and dry - twice!
Friday, July 25th, 12:12 am
Why the ever rising pound is not all good news
Friday, July 25th, 2:57 pm
So why don't I feel better about my cashflow?

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