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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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2:20 pm (52 minutes ago)
The tax cuts being proposed by David Cameron would cost around £7.2bn, the Treasury has said.
9:24 am (6 hours ago)
Sainsbury's has reported a fall in sales for the third quarter in a row as the supermarket price wars begin to take their toll.
10:38 am (5 hours ago)
Thousands of customers trying to renew their car tax online are experiencing problems with the Driver and Vehicle Licensing Agency (DVLA) website.
7:43 am (7 hours ago)
Tesco says it has been notified by the Financial Conduct Authority that it is under investigation following its admission that it overstated its half-year profit guidance by £250m.
12:48 pm (2 hours ago)
Lloyds is offering home buyers free iPad mini tablets in an intensifying mortgage war between major banks.
11:01 am (4 hours ago)
The UK manufacturing sector grew at its slowest pace for 17 months in September as a result of the strong pound and weakness in the eurozone, a survey indicates.
12:12 pm (3 hours ago)
The Ministry of Defence awards £3.2bn of contracts for the maintenance of the Royal Navy fleet, securing 7,500 jobs.
12:08 pm (3 hours ago)
The French government says it will reduce its budget deficit to below the EU threshold of 3% of GDP by 2017, two years later than promised.
12:28 pm (3 hours ago)
Supermarket shares lead the FTSE lower after Sainsbury's reports another fall in sales and warns there is no sign of an improvement in trading.
Yesterday 7:56 pm (19 hours ago)
Microsoft announces the next version of its core operating system, called Windows 10, which will reintroduce the Start Menu.
2:37 am (13 hours ago)
Legal changes increasing the inheritance rights of people whose spouses or civil partners die without making a will come into force.
11:28 am (4 hours ago)
Asian stocks suffer their fourth consecutive day of losses as political protests in Hong Kong show no signs of abating.
Yesterday 8:48 pm (18 hours ago)
The first councils to offer help to people wanting to build their own home through the Government's 'Right to Build' scheme are announced.
2:57 am (12 hours ago)
The United States and Brazil have come to an agreement designed to end a decade long dispute over cotton subsidies, reports say.
Yesterday 6:00 pm (21 hours ago)
E-commerce site eBay is planning to split off its payments system PayPal into a separate company next year.
Yesterday, 2:08 pm
Virgin Media asks Ofcom to investigate the way that the Premier League sells its TV rights, saying the present system is causing "significant consumer harm".
Yesterday 8:54 pm (18 hours ago)
The US state is the first to pass legislation imposing a ban on single-use plastic bags in grocery and convenience stores.
Yesterday, 7:51 am
The video streaming site Netflix will release its first feature-length film in 2015, after striking a deal with the Weinstein Company.
2:23 pm (49 minutes ago)
David Cameron says a future Conservative government would cut taxes for thirty million people as he delivers his party conference speech.
Yesterday, 1:52 pm
Annual profits at payday lender Wonga have fallen by more than half, the company announces.
Yesterday, 8:56 am
The annual pace of house price growth slowed to 9.4% in September in England and Wales, according to the Nationwide.
2:20 am (13 hours ago)
Japanese large manufacturers' confidence improved in the three months to September, according to a closely-watched central bank survey.
Yesterday, 11:27 am
UK economic growth has been revised up to 0.9% for the second quarter of the year by the Office for National Statistics.
Yesterday 9:57 pm (17 hours ago)
Argentina deposits $161m in bond interest payments with the state-controlled Nacion Fideicomisos bank, in an effort to skirt US court rulings.
Sunday, September 28th, 11:04 pm
The Featherdale Wildlife Park, a private zoo in Sydney, is thriving by offering a "hands-on" experience with its animals.
Thursday, September 25th, 12:06 am
Independent shop owners in Rio de Janeiro are complaining about higher rents and crime rates, and less customers, forcing many to close, reports Donna Bowater.
Wednesday, September 24th, 12:00 am
Charles Rolls and Tim Warrillow, the co-founders of tonic water business Fever-Tree, decided to set up together upon meeting for the very first time.
Yesterday 5:37 pm (22 hours ago)
Every game at the Rugby World Cup is oversubscribed in at least one price category, with tickets to be allocated by ballot.
Monday, 10:47 am
Hosting golf's Ryder Cup was a £40m free advert underlining Scotland's status as the "home of golf", tourism bosses say.
Thursday, September 25th, 5:38 pm
Liverpool are one of seven European clubs being investigated by Uefa for possible breaches of Financial Fair Play rules.
12:01 pm (3 hours ago)
Sainsbury's has announced like-for-like sales fell almost 3% in the three months to September.
3:49 am (11 hours ago)
Indian Prime Minister Narenda Modi and US President Barack Obama are looking to expand economic ties following a meeting at the White House.
1:15 am (14 hours ago)
Microsoft has disclosed the first details of Windows 10 - its next operating system (OS).
Yesterday, 12:11 am
Worldwide web inventor Sir Tim Berners-Lee talks about his concerns for the internet, as he renews his call for a digital Magna Carta.
Monday, 10:08 pm
Robert Peston looks at how much George Osborne has to save to eliminate the UK's deficit and where he might find the money.
Monday, 11:43 pm
Aldi, the discount supermarket chain, has posted a big rise in full-year profits as its share of the British grocery market continues to grow.
Monday, 9:00 am
BBC Inside Out investigates the options for the UK's growing plutonium stockpile at Sellafield in Cumbria.
Monday, 12:34 pm
China editor Carrie Gracie asks if Hong Kong's finance workers believe China's claim that protests will harm its economy.
12:01 am (15 hours ago)
Test your knowledge of 1 October changes
2:35 pm (37 minutes ago)
What impact will HK protests have on businesses?
Yesterday 11:55 pm (15 hours ago)
The $250m internet firm at the forefront of 'lowbrow click-bait'
Yesterday 11:04 pm (16 hours ago)
The rise, and possible fall, of the 'Bond King', Bill Gross
12:05 am (15 hours ago)
Irish water charges spark a flood of complaints
Yesterday 11:58 pm (15 hours ago)
Brazil says it needs teachers not footballers
Yesterday, 12:03 am
The startups hoping to transform the marijuana industry
Yesterday 7:06 pm (20 hours ago)
Would an inquiry burst Premier League bubble?

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