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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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2:48 pm (4 hours ago)
The Treasury could begin the process of selling part of the government's stake in Royal Bank of Scotland from Monday, according to BBC sources.
6:17 pm (an hour ago)
The Athens Stock Exchange is set to plunge by as much as 20% on Monday when trading finally resumes after a five-week closure, traders predict.
6:14 pm (an hour ago)
More debris washed up on Reunion island is investigated after a wing part - possibly from missing flight MH370 - was found last week.
Friday, 8:06 am
Lloyds Banking Group's claims bill for PPI tops £13bn as it sets aside a further £1.4bn to compensate customers.
Yesterday, 5:13 am
Twelve Pacific nations fail to agree a regional trade deal which would cover 40% of the world economy, despite talk of "significant progress".
Yesterday, 8:27 am
The founder of MtGox - once the world's biggest bitcoin exchange - is arrested by Japanese police investigating losses of nearly $400m.
Yesterday, 3:26 pm
The Serious Fraud Office opens a criminal investigation into British company Soma Oil and Gas.
Friday, 10:36 am
The soaring value of the Swiss franc against the euro leads Switzerland's central bank to report a first half loss of 50bn francs.
Friday, 2:23 pm
Greek Prime Minister Alexis Tsipras defends his former finance minister in a row over an "emergency plan" in case of Greece's exit from the euro.
Friday, 4:33 pm
NatWest Bank has blamed earlier problems with its website on a series of deliberate attacks, known as a distributed denial of service (DDoS)
Friday, 11:14 am
Rents paid to private landlords in Britain went up by 2.5% over the last year, the fastest rise for two-and-a-half years, according to the ONS
Friday, 3:00 pm
Two of the US's biggest companies report sharply lower quarterly results because of falling oil prices.
1:42 pm (6 hours ago)
People who do not speak fluent English will be barred from public sector jobs which involve working directly with the public, the government says.
Thursday, 10:56 pm
SoulCycle, the indoor cycling fitness chain with a celebrity following in the US, including David Beckham and Lady Gaga, plans to float on the stock market.
Friday, 4:04 pm
Colm O'Regan takes a look at the post-war boom and onset of consumer capitalism in the United States.
Friday, 3:47 pm
Leading Kenyan cartoonist Celeste Wamiru shares her story and experiences.
Friday, 3:51 pm
A Kenyan company is offering loans to farmers where the interest rates charged are linked to the quality of the soil, providing an incentive for soil preservation.
Friday, 1:08 pm
Manju Bhatia, founder and joint managing director of the all-women debt collection agency Vasuli Recovery explains how she bucked the trend of a male-dominated industry.
Friday, 12:03 am
A team of robotic developers has built an interactive robotic climbing frame, that can roam designated play areas, ready for children to play with it.
Friday, 12:52 pm
How does being online really change things for people living far from India's big cities?
Friday, 1:18 pm
Many online businesses have been set up in India to connect students with the workforce, but are interns then being offered the jobs they are seeking?
Friday, 10:32 am
The BBC's Karishma Vaswani asks businessman Rajesh Joshi about the type of start-ups he finds attractive.
12:37 am (19 hours ago)
Three pieces of make or break advice
Yesterday, 12:10 pm
Optimism and concern at HK's tech conference
Friday, 9:59 pm
'If this art isn't yours, it's ours'
Friday, 10:03 pm
Why work isn't what it used to be
Friday, 12:08 am
The US football division seeking inspiration from the 1970s
Friday, 12:25 am
From boom to bust in Swiss border towns
Friday, 12:13 am
The tech helping Kenyan smallholders reap rich rewards
Thursday, 3:01 am
It's not just the tiny surveys with questionable methodology that cause problems.
Thursday, 12:17 am
Why 'sunny places for shady people' continue to thrive

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