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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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Yesterday 1:01 pm (15 hours ago)
The Co-operative Group reports losses of £2.5bn, the worst results in its 150-year history, after what its chief executive calls a "disastrous" year.
1:10 am (3 hours ago)
A BP employee who oversaw the cleanup of the Deepwater Horizon oil spill in 2010 agrees to settle a charge of insider trading.
Yesterday 5:31 pm (10 hours ago)
Retirees could be told how long they are likely to live after stopping work, says pensions minister Steve Webb.
1:49 am (2 hours ago)
Barnes & Noble chairman trims his stake in the bookstore company to 20% by selling shares worth $64m.
Yesterday, 12:04 am
Takeaway owners are to face a new testing programme, after a watchdog found nearly a third of lamb takeaways it checked contained a different meat.
Yesterday 3:33 pm (12 hours ago)
Two former Anglo Irish bank chiefs have been found guilty of making loans designed to illegally prop up the bank's share price.
Yesterday 11:05 am (17 hours ago)
The "resilient" UK housing market recorded another increase in mortgage lending in March, according to a lenders' group.
Yesterday 10:10 pm (6 hours ago)
Shares in China's largest Twitter-like service, Weibo, went up by almost 20% on the first day of its listing in the US, despite a disappointing start.
Yesterday 3:34 pm (12 hours ago)
US banking giant Goldman Sachs reports a drop in net earnings while Morgan Stanley sees profits jump.
Yesterday 4:56 pm (11 hours ago)
The pound hits its highest level in more than four years against the US dollar.
Yesterday 2:10 pm (14 hours ago)
Royal Bank of Scotland says law firm Clifford Chance has cleared it over allegations that it forced small firms to close so it could make a profit.
Yesterday 8:52 am (19 hours ago)
Luxury goods retailer Mulberry issues its second profit warning since Christmas and says it will look to introduce new "more affordable" products.
Yesterday 4:07 pm (12 hours ago)
RMT workers on the London Underground are to take five days of strike action according to the union.
Yesterday 5:44 pm (10 hours ago)
The biggest bus operator in Wales announces it will axe 14 services and reduce eight others as it cuts its fleet by 10%.
Yesterday 2:20 pm (14 hours ago)
In an open letter to Google's Eric Schmidt the boss of German publishing firm Axel Springer says it is afraid of the search giant.
Yesterday 8:13 am (20 hours ago)
French spirits firm Remy Cointreau says operating profits will fall by up to 40% after a crackdown by China on extravagant spending hits sales.
Yesterday, 3:21 am
China's internet giant Tencent will launch the popular Candy Crush game on the mainland in partnership with the game's creator King Digital Entertainment.
Tuesday, 11:39 am
Jobseekers in Derby will be given free bikes refurbished by prisoners in a bid to help them find work.
Wednesday, 2:14 pm
A teaching union leader says young teachers are shying away from taking out mortgages because of uncertainty over their future earnings.
Wednesday, 12:35 pm
After nearly six years of falling real wages, rises in weekly earnings have finally caught up with inflation, according to the Office for National Statistics.
Wednesday, 11:35 am
Hundreds of thousands more people are turning to food banks to stop themselves from going hungry, says charity the Trussell Trust.
Wednesday, 5:38 am
China's economy expanded by 7.4% in the first quarter of the year, better than expected but down from 7.7% at the end of 2013.
Wednesday, 11:16 am
The number of people out of work in the UK has fallen by 77,000 to a five year low of 2.24 million in the three months to February, official figures indicate.
Wednesday, 2:28 am
The US tells China its currency must be allowed to rise if its own and the rest of the world's economy are to see stable growth.
Tuesday, 12:00 am
Major change is a challenge for companies and their investors. How can chief executives shift a firm's course effectively?
Monday, 12:06 am
A profile of Henry Engelhardt, the boss of insurance group Admiral, and why he wants his staff to have fun.
Monday, 12:13 am
Thirty years ago Britain did not have a self-storage industry. Now it's the biggest in Europe. Who are the canny entrepreneurs who have grown rich selling empty space?
Yesterday, 3:58 am
The Jockey Club, the organisation behind the UK's leading horseracing events, reports record profits for last year of £22m.
Wednesday, 9:57 am
Premier League players at Manchester City are the best paid in global sport, according to a new study.
Wednesday, 6:11 pm
Ukio Bankas creditors approve the sale of its shares in Hearts, who can now begin their move out of administration.
12:05 am (4 hours ago)
Alfa Romeo, the Italian sports car maker, returns to the US market after 20 years. Michelle Fleury takes a tour of the car the firm hopes will appeal to American drivers.
1:23 am (3 hours ago)
Singapore is running a trade fair for entrepreneurs, where exhibitors hope to turn their idea into a worldwide success.
Yesterday 11:01 am (17 hours ago)
Larry Magid, technology analyst for CNET, discusses the fall in Google's shares.
Yesterday 11:07 am (17 hours ago)
Former England defender Danny Mills has invested in the struggling West Cornwall Pasty Company.
Yesterday 12:30 pm (15 hours ago)
The Co-operative Group has announced losses of £2.5bn for 2013. Interim chief executive Richard Pennycook described the results as "a disaster".
Wednesday, 11:58 pm
A Japanese researcher shows off glasses that display computer-generated eyes, which express emotions to save their wearer the effort.
Yesterday 12:45 pm (15 hours ago)
The Co-operative Group has announced losses of £2.5bn provoking widespread calls for reform, including from one of the business's main unions Unite.
12:09 am (4 hours ago)
The tech making e-commerce easier for small firms
Yesterday, 12:02 am
The latest addiction to help satisfy our energy needs
12:06 am (4 hours ago)
After 20 years, Alfa Romeo returns to the US
Yesterday 8:00 pm (8 hours ago)
Economic gold or nightmare reality?
Yesterday, 12:02 am
How easy is it for Indian start-up firms to get their wheels turning?
Wednesday, 12:00 am
Would this dessert taste different on a black plate?
Wednesday, 9:14 am
How GDP became such an important measurement
Wednesday, 12:02 am
How 3D printing is changing the shape of lessons

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