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Backhouse Insurance Brokers,
Oakmount House
Lomeshaye Business Park,
Nelson, Lancashire,
BB9 6RX

T: 01282 677776 F: 01282 677770

In the event of an emergency outside of business hours please send an email to emergency@backhouse.co.uk  



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Yesterday 11:02 pm (5 hours ago)
Kraft Heinz "amicably" agrees to withdraw plans to buy Anglo-Dutch giant Unilever.
12:14 am (4 hours ago)
Online retailer Amazon promises to create 5,000 new full-time posts this year in the UK.
12:27 am (3 hours ago)
Friends of the Earth and Taxpayers' Alliance are normally at odds on policy, but both criticise HS2
Yesterday 2:32 pm (13 hours ago)
The head of Sainsbury's says the system is "archaic", amid a row over England's latest revaluation.
Yesterday 8:46 pm (7 hours ago)
The US rocket company sends a cargo ship to resupply the International Space Station.
Saturday, February 18th, 5:08 pm
The PM agrees to meet the boss of France's PSA Group to discuss a planned UK takeover of Vauxhall.
Friday, February 17th, 9:55 pm
RBS could abandon the sale of its small-business lender, Williams & Glyn, under government plans.
Friday, February 17th, 10:08 am
Sales are down 0.3% in January dashing expectations of growth, official figures show.
Friday, February 17th, 11:37 am
Only 52% of food eaten in the UK is produced by British farmers, according to new research.
Friday, February 17th, 3:07 pm
UK estate agents have seen a 7.2% pay increase over the last year, the same rise as house prices.
Friday, February 17th, 3:35 pm
Thirteen trade bodies unite to condemn the government's "outrageous" changes to English business rates.
Friday, February 17th, 1:57 pm
The UK's biggest tour operator, Tui, has repeatedly infringed the travel industry code of conduct.
Thursday, February 16th, 9:01 pm
Mark Zuckerberg talks to the BBC about globalisation, fake news, and a new Facebook manifesto.
Friday, February 17th, 8:57 am
Up to 37,000 Argos workers are to receive back-pay of £64 each, after not getting the minimum wage
Friday, February 17th, 7:58 am
The case is linked to a scandal that led to the impeachment of President Park Geung-hye.
Friday, February 17th, 3:20 am
How one of the world's biggest shipping lines has finally run aground.
12:14 am (4 hours ago)
Richard Longhurst, co-founder of Lovehoney, a sex toy business, shares his business advice.
Friday, February 17th, 10:37 am
A fish and chip shop owner explains how the business rate changes affect him
Friday, February 17th, 9:01 am
British Retail Consortium boss Helen Dickinson says new business rates are not "fit for purpose".
Friday, February 17th, 11:25 am
Colm O'Regan takes a look at national image and, in particular, Ireland as a global brand.
Thursday, February 16th, 10:32 pm
Facebook founder Mark Zuckerberg spoke to the BBC's Kamal Ahmed off-camera. What did he tell him?
Friday, February 17th, 12:12 am
Do firms need a chief executive to lead them? Staff at Swedish firm Crisp explain why they decided to bin the boss.
Friday, February 17th, 12:15 am
Newcomer Roberta Einer describes what it takes to make it in the world of fashion design.
Thursday, February 16th, 1:34 pm
A global industry is allowing people to immerse themselves in their favourite film or book.
Friday, February 17th, 5:00 pm
Researchers say hackers can use an insecure bluetooth device to listen and talk to a child.
Thursday, February 16th, 10:49 am
She told him she "liked computers and robots" as she explained why she wanted to work there.
12:12 am (4 hours ago)
Catherine Gazzoli is producing a range of organic baby food influenced by her Italian roots.
Saturday, February 18th, 11:35 pm
Facebook last week doubled its bereavement leave allowance for its staff. Employees can now take up to 20 days off on full pay. Is it enough?
1:47 am (2 hours ago)
The story behind the compiler, a remarkable innovation that made modern computing possible.
Friday, February 17th, 3:22 pm
Some businesses will see their rates change on 1 April 2017.
Friday, February 17th, 12:05 am
UK air traffic control is investing £600m in a new cloud-based system to cope with rising demand.
Friday, February 17th, 12:13 am
Do firms really need one person in charge? Staff at Swedish firm Crisp explain why they decided to bin the boss.
Thursday, February 16th, 1:46 pm
Iceland is the UK's favourite online supermarket, says consumer group Which? so is it now "cool"?
Thursday, February 16th, 12:14 am
Will a merger of Essilor and Luxottica be too big for the public good?
Thursday, February 16th, 12:18 am
Following the demise of the seal-hunting trade, Norway is focusing on a new Arctic gold rush.
Wednesday, February 15th, 12:04 am
Guinea pigs may be seen as pets in the UK, but in Peru they are an increasingly popular delicacy.
Wednesday, February 15th, 12:02 am
How tapping into a growing middle class in emerging markets saw Tupperware Brands go from failing to a global phenomenon.
Tuesday, February 14th, 12:33 pm
Donald Trump's election victory has had let to a spike in business for online dating site eHarmony.
Wednesday, February 15th, 10:30 am
An international ranking puts Montreal as best world city for students, overtaking Paris.
Tuesday, February 14th, 12:00 am
Drivers using mobile phones on the road are four times more likely to have an accident - but can apps also make us safer?
Tuesday, February 14th, 12:03 am
It's no good artisans making beautiful luxurious items, if they don't know how to sell them. One mentorship scheme is trying to address the gap.
Monday, February 13th, 3:06 pm
Resolution Foundation figures take household income after housing costs.
Monday, February 13th, 12:12 am
The woman who uses blockchain technology to prove where food comes from.
Monday, February 13th, 12:04 am
How Australian entrepreneur Matt Barrie set up and grew website Freelancer, which links people who need tasks done with others who bid for the work.
Monday, February 13th, 12:35 am
How mobile technology is profoundly changing access to money in the developing world.
Sunday, February 12th, 12:53 am
Spotify may be "too big to fail", according to Billboard magazine, but the clock is ticking as the company hatches its plans to go public.
Friday, February 10th, 11:16 am
What is the so-called "gig" economy, a phrase increasingly associated with employment disputes?
Friday, February 10th, 12:12 am
Some company bosses are going to extremes to raise money for charity, but should they do more?
Friday, February 10th, 12:05 am
How roboticists and programmers are trying to make their creations more empathetic and "human".
Yesterday 9:46 pm (6 hours ago)
Tractor driver Matthew Evans had his machine specially adapted so that he could carry on working after an accident left him paralysed.
Yesterday 9:47 pm (6 hours ago)
One Indian aromatics firm is actively recruiting blind people - for their sense of smell.
Yesterday 9:46 pm (6 hours ago)
Tackling an industry that trades on perfection with a talent agency for disabled actors and models.
Friday, February 17th, 12:10 am
Up to 1.2 billion people around the world live with some sort of disability - and businesses are increasingly realising they have a lot of spending power.

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