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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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6:11 pm (3 hours ago)
Production on the largest new oil and gas field to have been discovered in the North Sea for a decade is approved.
1:54 pm (7 hours ago)
India's economy grew at an annual rate of 7% between April and June, lower than expected, official figures show.
12:42 pm (8 hours ago)
Russian oil giant Rosneft reports a sharp drop in profits due to lower oil prices.
12:27 pm (8 hours ago)
NatWest Bank says it has fixed an IT problem, which left customers unable to access its web and app services.
3:08 pm (6 hours ago)
US stocks dip in early trading, reflecting continuing concerns about the Chinese economy and uncertainty over US interest rates.
2:13 pm (6 hours ago)
Chancellor George Osborne is accused of "arrogance" after announcing more than £500m of contracts for the Royal Navy's submarine base at Faslane.
1:20 pm (7 hours ago)
Ashley Madison says "hundreds of thousands" of new members are joining despite an enormous data leak after hackers targeted the website.
9:15 am (11 hours ago)
Chinese shares are lower on fears of further market volatility and ahead of economic data expected to point to a further economic slowdown.
Yesterday, 6:25 pm
The International Chamber of Commerce rules that VW should sell its stake in Suzuki, ending a four-year dispute between over their failed partnership.
Yesterday, 3:33 pm
Italian energy group Eni says it has found one of the world's largest natural gas fields off Egypt's coast.
Yesterday, 7:05 pm
The abuse of tipping by restaurants is to be the subject of an investigation launched by Business Secretary Sajid Javid.
Yesterday, 8:25 pm
Chinese authorities punish 197 people for spreading rumours online about the recent stock market crash and fatal explosions in Tianjin.
Wednesday, August 26th, 11:06 am
The new boss of McDonald's UK tells the BBC that zero-hours contracts are fair because they help staff stay flexible.
Thursday, August 27th, 12:01 am
Kickstarter raised it £2.3m but drone maker struggles to meet hopes
11:37 am (9 hours ago)
Scientists develop a way to make ice cream smoother and less likely to melt so quickly on a hot summer day.
8:44 am (12 hours ago)
Indian growth has already outstripped China's for two quarters, but can it maintain that pace of development?
2:09 am (19 hours ago)
An unusual show at New Zealand's fashion week - one showing off a new type of lingerie that can be used for incontinence.
Friday, August 28th, 12:57 pm
Slowing growth in China has seen stock markets in turmoil and underlined the recent plunge in commodity prices - a key concern in many African economies.
Friday, August 28th, 12:18 am
South Sudan has what many business people describe as a "war economy" as they battle to keep their companies afloat as a result of the brutal civil war.
Friday, August 28th, 7:55 am
New rules are being introduced to protect the authenticity of Irish Whiskey and support the increasing number of distilleries across the Republic of Ireland and Northern Ireland.
Friday, August 28th, 12:18 am
Lerato Mbele visits a tea farm to find out why Kenya is the world's largest exporter of the beverage.
Friday, August 28th, 1:27 am
The story of how one family - and its staying power - has kept producing whisky successfully throughout five generations.
9:16 am (11 hours ago)
The US catches a cold?
12:46 am (20 hours ago)
The people who work in quirky spots
12:02 am (21 hours ago)
The hair-raising way one entrepreneur first made money
Friday, August 28th, 12:00 am
What will be the impact of the crash at Shoreham?
Friday, August 28th, 12:02 am
How video-on-demand services are shaking up broadcasting
Friday, August 28th, 12:01 am
Is austerity helping or hurting?
Thursday, August 27th, 12:01 am
The watchmaker who travels the globe to deliver
Thursday, August 27th, 12:00 am
So your child wants to be a games designer
Wednesday, August 26th, 3:58 pm
How China's slowdown has pushed the oil price lower

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.

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