PRIVATE CLIENT

Click here to discover our range of personal insurance solutions.

Wholesale Insurance

Property Owners Insurance

An expertise both in commercial and residential property owners, we understand the sector and it's particular needs and requirements.

Complications with tenants do arise and we seek to handle any issue and deal to ensure the least disruption and complication.

All our policies are bespoke offering leading edge wordings and enhancements to ensure that we obtain maximum benefits when a claim occurs.

  • Rebuild and repair following claim with environmental improvement to take account of energy efficiency.

  • Non invalidation of any claim following action of a tenant.

Other issues arise such as unoccupancy where proactive action can avoid a reduction in the cover and increase in the rate charged.

Other matters require legal assistance such as the eviction of squatters to the prevention of fly tipping.

For more information please contact Peter Barnes on 01282 677776 or email peterb@backhouse.co.uk

Facebook share sale approaches

5:34 pm (48 minutes ago)
Facebook shares will begin trading in New York on Friday in one of the most eagerly anticipated share flotations in recent stock market history.

Jobs boost as UK gets Astra deal

12:12 pm (6 hours ago)
Vauxhall's Ellesmere Port car plant will build a new Astra car in a deal that means huge investment and the creation and support of thousands of jobs.

Bankia: No cash withdrawal surge

5:33 pm (49 minutes ago)
Shares in Spanish bank Bankia close sharply lower as it is forced to deny a report of a large amount of withdrawals from the troubled group.

Markets drop on eurozone worries

5:41 pm (41 minutes ago)
Concern over the eurozone debt crisis has continued to weigh on financial markets, with the euro dropping more than a cent against the US dollar,

More households in fuel poverty

2:30 pm (4 hours ago)
Gas and electricity price rises at the end of last year are expected to have pushed 400,000 more households in England into fuel poverty.

Cairn shareholders rebel on pay

4:25 pm (an hour ago)
Shareholders at the Edinburgh oil and gas exploration firm Cairn Energy rebel against top executive pay.

Cameron defends his euro warning

2:11 pm (4 hours ago)
David Cameron says it was "more dangerous to stay silent than to speak out" - and insists there will be no retreat on deficit reduction.

Buffett in newspaper investment

3:33 pm (3 hours ago)
Berkshire Hathaway, the holding company of legendary investor Warren Buffett, invests in 63 local newspapers in the south-eastern US.

French Connection in profit alert

12:25 pm (6 hours ago)
Shares in French Connection fall as the fashion retailer issues a profits warning following a continued fall in sales.

English house building falls back

3:05 pm (3 hours ago)
The number of new homes started by house builders in England fell again in the first three months of the year, according to official figures.

France questions EU fiscal pact

10:50 am (8 hours ago)
France's new finance minister reiterates that the country's new socialist government will not ratify the European Union's fiscal pact.

Some work schemes 'of no benefit'

2:57 pm (3 hours ago)
A parliamentary committee questions the length and quality of some apprenticeships, saying six month programmes are of no real benefit.

Rebuilding spurs Japan economy

7:51 am (11 hours ago)
Japan's economy grows by 1.0% between January and March compared with the previous three months, official figures show.

Chinese gold demand hits record

7:40 am (11 hours ago)
Chinese demand for gold hit a record in the first quarter of 2012 and it remains the world's biggest market for gold, the World Gold Council says.

Toshiba halts Japan TV production

7:44 am (11 hours ago)
Toshiba halts production of LCD televisions in Japan as demand drops, a spokesman confirms to the BBC.

China Mobile in talks with Apple

11:17 am (7 hours ago)
China Mobile, the main mobile service provider in China and the largest in the world by users, could soon offer its customers Apple's iPhone.

Clinton Cards to close 350 stores

Yesterday, 5:57 pm
Retailer Clinton Cards, which is in administration, is to close almost half its stores across the UK, leading to the loss of almost 2,800 jobs.

Flight delay payments move closer

Yesterday, 2:02 pm
Airlines are likely to be told they must pay compensation to passengers whose flights are delayed by three hours or more.

Mortgage lending 'jumps in March'

Yesterday, 10:39 am
There was a big rise in mortgage lending in March, as the stamp duty holiday for first-time buyers came to an end, lenders say.

UK unemployment falls by 45,000

Yesterday, 3:29 pm
UK unemployment fell by 45,000 to 2.63 million in the three months to March, according to the Office for National Statistics.

Spain's cost of borrowing jumps

11:16 am (7 hours ago)
The cost of borrowing on the international money markets rise sharply for Spain as investors fear further financial turmoil in Europe.

Bank warns of euro crisis 'storm'

Yesterday, 5:09 pm
The Bank of England warns that the eurozone is "tearing itself apart" with the "storm" threatening the UK recovery, as it cuts its forecast for growth this year.

Manufacturers 'need more support'

Yesterday, 12:00 am
UK manufacturers want the government to offer more support rather than "empty rhetoric", a new survey by business advisers BDO says.

Pinterest to get $100m investment

12:28 pm (6 hours ago)
Social networking service Pinterest is to receive $100m in funding, prompting analysts to value the two-year-old firm at up to $1.5bn.

Downturn hits Lola race car maker

Yesterday, 12:46 pm
Racing car maker Lola Cars applies for administration, blaming the economic downturn for a drop in trade.

Greggs renews 'pasty tax' fight

Yesterday, 10:27 am
Greggs, the UK's largest bakery chain, blames wet weather for a drop in underlying sales and warns that the "pasty tax" could hit sales and profits.

Tribunal rejects Rangers appeal

Yesterday 10:56 pm (19 hours ago)
Rangers have their appeal against a year-long transfer embargo and a £160,000 fine rejected by a Scottish FA tribunal.

Olympic VIP tickets still to sell

Yesterday, 8:29 am
Some 20% of hospitality tickets for the Olympic Games, which could set people back £4,500, are yet to be sold.

IPL suspends 'corrupt' players

Tuesday, 5:09 pm
India's cricket authorities suspend five IPL players who are being investigated for corruption after a sting by undercover TV reporters.

AUDIO: Taxman targets online traders

4:53 pm (an hour ago)
HMRC is targetting people who use sites such as eBay and Amazon to sell items online at a profit.

VIDEO: Spain pays high price for selling debts

5:25 pm (57 minutes ago)
The BBC's Aaron Heslehurst on the sharp rise in interests rates Spain has to pay for selling its debts - and Facebook gets ready for its stockmarket debut.

VIDEO: Ad boss on Facebook's power

2:36 am (16 hours ago)
Sir Martin Sorrell explains to Rory Cellan-Jones the strengths and weaknesses of Facebook when it comes to advertising, as the company prepares to float on the stock exchange.

AUDIO: Should workers be tested for drugs?

1:19 pm (5 hours ago)
BBC Radio 5 live's Victoria Derbyshire got reaction to the Metropolitan Police chief's suggestion that all workers should be screened.

AUDIO: Lamont warns against 'crisis with no end'

9:27 am (9 hours ago)
Former chancellor Lord Lamont discusses the dangers of a breakup of the Eurozone.

VIDEO: Life as young farmer is revealed

6:13 am (12 hours ago)
A young farmer talks about why he does the job and why it's an often overlooked career path.

VIDEO: Eurozone was 'very close to collapse'

1:36 am (17 hours ago)
Benoit Coueure, from the European Central Bank, has been speaking about their decision to provide a loan of more than a trillion euros to hundreds of banks.

VIDEO: Who may do best in Greece poll?

6:47 am (12 hours ago)
The leader of a left-wing party in Greece, Alexis Tsipras, looks likely to do best in next month's election and there is increasing speculation that Greece could be forced out of the euro if his party wins.

The euro's survival 'requires political union'

10:06 am (8 hours ago)
The day the ECB saved the Eurozone's banks

How a Greek euro exit could affect you

12:09 am (18 hours ago)
How a Greek euro exit could affect you

How to ask for a pay rise

12:10 am (18 hours ago)
How to ask your boss for a pay rise

China's ageing economic time bomb

12:31 am (18 hours ago)
How an ageing population threatens China's economy

Swiss Army knife adapts to remain a cutting-edge tool

12:26 am (18 hours ago)
The Swiss Army knife had to adapt after the events of 9/11

Dual identities of a princeling

Yesterday, 6:00 pm
The dual identities behind China's biggest political scandal in decades

Brazil's business labyrinth of bureaucracy

12:09 am (18 hours ago)
The red tape mountain facing new businesses

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