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Backhouse Insurance Brokers,
Oakmount House
Lomeshaye Business Park,
Nelson, Lancashire,

T: 01282 677776 F: 01282 677770

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3:20 am (an hour ago)
Financial experts are poring over the details of George Osborne's Spending Review, in which he funded a U-turn on tax credit cuts with a £27bn windfall.
Yesterday 4:20 pm (13 hours ago)
Buy-to-let landlords and those buying second homes in England and Wales will soon have to pay a stamp duty surcharge, the chancellor has announced.
12:16 am (5 hours ago)
Cyber-thieves are preparing malware and spam campaigns in a bid to catch out retailers and shoppers during the run-up to Christmas, say experts.
Yesterday 3:26 pm (14 hours ago)
The Office for Budget Responsibility (OBR) predicts a £27bn improvement in the public finances over the next five years.
12:00 am (5 hours ago)
Our tax affairs will be organised digitally in the future, Chancellor George Osborne says, but it does not mean it is getting any simpler. So what are the changes?
Yesterday 5:49 pm (11 hours ago)
How has the chancellor pulled off the magical trick of cutting less without inflating the deficit?
Yesterday 4:52 pm (12 hours ago)
The policies announced by the chancellor in his Autumn Statement and Spending Review have a big effect on your finances. Here's how.
Yesterday 4:38 pm (12 hours ago)
An apprenticeship levy on company payrolls will fund three million places for apprentices, the chancellor says, but business groups call it a "new payroll tax".
Yesterday 3:52 pm (13 hours ago)
Capital spending on big transport projects will rise by 50% over the current Parliament, the chancellor has announced.
Yesterday 3:46 pm (13 hours ago)
The £15m raised each year from charging VAT on tampons will be used to fund women's health and support charities, the chancellor has announced.
Yesterday 10:24 pm (7 hours ago)
The company that sparked an outcry by raising the price of its HIV drug in the US by 5,000% says it will cut its price for some users.
Yesterday 11:04 pm (6 hours ago)
Temperatures across the globe are likely to break records in 2015 with readings running "well above" any previous year, scientists say.
Yesterday 12:57 pm (16 hours ago)
Ukraine bans all Russian planes from using its airspace as Russian state-controlled energy giant Gazprom stops delivering gas to its neighbour.
Yesterday 5:20 pm (12 hours ago)
Network Rail wants to sell £1.8bn of railway arch space, disused depots and shop space in bigger stations to help raise the cash to upgrade UK railways.
Yesterday 3:09 pm (14 hours ago)
Big energy users such as the steel and chemicals industries will be exempt from environmental tariffs, Chancellor George Osborne says.
Yesterday 2:26 pm (15 hours ago)
The world's biggest oil and gas companies risk losing $2.2tn by overestimating future demand for fossil fuels, a report suggests.
Yesterday 2:12 pm (15 hours ago)
Toyota is recalling another 1.6 million vehicles equipped with defective air bags.
Monday, 11:18 am
Yahoo confirms it is preventing some people from accessing their emails if they are using ad-blocking software in their browser.
Friday, November 20th, 12:03 pm
The life of Jim Slater, the buccaneering 1970s financier and asset stripper who has died aged 86, is a classic tale of boom to bust.
12:04 am (5 hours ago)
The BBC's Emma Simpson looks at the origin of the shopping phenomenon known as Black Friday and its impact on the UK economy.
Yesterday 11:43 pm (5 hours ago)
Michael Jackson's notorious Neverland ranch has been on the market for six months without a buyer - now one entrepreneur is hoping to sell to an Asian buyer.
Yesterday 11:52 pm (5 hours ago)
India has promised to generate 40% of its energy from renewables within 15 years - but as the world's third largest greenhouse gas emitter - how will it do it?
Monday, November 16th, 11:36 am
Leimin Duong talks about when she realised her brewery business was ready to take-off.
Monday, November 16th, 10:26 am
Elsa Prieto of Pili Pop on the advantages of being a woman entrepreneur.
Yesterday, 12:41 am
Hand embroidered slippers are one of the few remaining traditional Hong Kong manufacturing trades - and they are getting a revamp.
Yesterday, 12:29 am
Norman Smith asks whether the changes to tax credits could cause lasting damage to the Conservative Party.
Monday, November 16th, 2:34 pm
The founder of jewellery e-commerce platform Soko talks about the importance of a positive corporate culture
12:09 am (5 hours ago)
Should the UK choose between the EU and the Commonwealth?
12:13 am (5 hours ago)
The businesses offering hope to Mexican prisoners
Yesterday, 12:18 am
How Ireland built a cheese movement
Yesterday 2:49 pm (14 hours ago)
Why are so many European universities merging?
Yesterday, 12:26 am
The Budapest cafe perking up a former red light district
Tuesday, 12:27 am
Who will be the winners and losers?
Tuesday, 12:30 am
The doctor will text you now
Tuesday, 12:34 am
How data is shining a light on global property markets
Monday, 12:04 am
How is it different from the Autumn Statement?


An investigation found an explosion resulted from a screw connection to an autoclave locking ring which secured a door to a machine.


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


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.


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.


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.


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.


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.


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