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

T: 01282 677776 F: 01282 677770



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10:04 am (43 minutes ago)
Short-term lender Wonga made a pre-tax loss of £37.3m in 2014 amid a major overhaul of the controversial company.
8:34 am (2 hours ago)
Pay-TV broadcaster Sky reports a 20% rise in operating profits, helped by strong demand for its services across Europe.
10:33 am (13 minutes ago)
Consumer body Which? demands action from regulator over "confusing and misleading" supermarket pricing.
10:23 am (23 minutes ago)
Discount clothing chain Primark reports another rise in sales, but profits at owner AB Foods fall after losses at its sugar business.
Yesterday 6:09 pm (17 hours ago)
The Greek government asks public sector bodies to hand over any reserve cash to help it meet a payment due to the International Monetary Fund.
9:33 am (an hour ago)
Shares in pay-TV broadcaster Sky lead the FTSE 100 higher after it reports strong third quarter results.
Yesterday 7:24 pm (15 hours ago)
Russian billionaire Mikhail Fridman must sell his North Sea gas fields within six months, the UK orders.
12:16 am (11 hours ago)
The cost of UK car insurance will rise over the rest of the year, according to the AA, despite a fall in the first quarter of 2015.
7:40 am (3 hours ago)
Credit Suisse says quarterly profit rose by 23% from a year earlier because of gains from its securities trading and wealth management divisions.
7:22 am (3 hours ago)
Kaisa Group becomes the first Chinese property developer to default on its overseas debt, which is estimated to be about $2.5bn (£1.7bn).
Yesterday 11:00 pm (12 hours ago)
The Jockey Club, which runs 15 UK racecourses, says profits dropped slightly last year, but turnover and prize money increased.
Yesterday 5:08 pm (18 hours ago)
Canadian circus firm Cirque du Soleil sells a majority stake to US and Chinese private investors, valuing the firm at $1.5bn.
9:53 am (54 minutes ago)
A Japanese magnetic levitation train breaks its own world speed record, hitting 603km/h (374mph) on a test run near Mount Fuji.
Yesterday 1:20 pm (21 hours ago)
Google is updating its search tools to favour websites that work well on mobile devices above those that fail its criteria
5:24 am (5 hours ago)
More than 23 million vehicles were sold in China last year, but as the Chinese economy slows, so has demand for new cars.
8:25 am (2 hours ago)
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Yesterday 7:04 pm (16 hours ago)
The Post Office has been criticised in an independent report which examined complaints from sub-postmasters who said the had been unfairly sacked or prosecuted over cash shortfalls at their branches.
Yesterday, 3:04 am
Indonesia is hosting the World Economic Forum this week and hopes the event will help to attract increased foreign investment.
Sunday, April 19th, 11:41 pm
Maharashtra becomes the latest state to ban the slaughter of cows - a move that has hit India's leather industry hard.
Yesterday, 12:01 am
In a series looking at the challenges facing Europe, BBC News meets a Bulgarian IT entrepreneur.
Friday, April 17th, 9:00 pm
Argentina has started legal proceedings against three British and two US companies for drilling oil near the Falkland Islands.
Friday, April 17th, 10:10 am
Around a third of all shoes made in the UK end up in Japan.
Yesterday 11:54 pm (11 hours ago)
The tech that rocks the cradle
Sunday, April 19th, 11:55 pm
Rock star Gene Simmons says he will never be too rich
Yesterday 10:34 pm (12 hours ago)
Indonesia wants tourists to boost its weak currency
Yesterday, 2:04 am
What in the world does China own?
Friday, April 17th, 10:02 pm
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Friday, April 17th, 12:05 am
The start-ups that want your electronic junk

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