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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 9:18 pm (4 hours ago)
The US Federal Reserve gives Wall Street banks even more time to comply with parts of the Volcker Rule, a key part of the reforms introduced by Congress following the financial crisis.
Yesterday 6:27 pm (7 hours ago)
Poor treatment of workers in the Chinese factories which make Apple products is discovered by an undercover BBC Panorama investigation.
Yesterday 9:53 pm (4 hours ago)
Nebraska and Oklahoma are asking the US Supreme Court to nullify a 2012 law that made marijuana legal in the US state of Colorado.
Yesterday 9:50 pm (4 hours ago)
US stocks close at record highs on Thursday, with the Dow Jones surging over 400 points, continuing a rally sparked by the Federal Reserve the day before.
Yesterday 5:05 pm (8 hours ago)
British Airways owner IAG says that Irish carrier Aer Lingus has rejected its takeover offer.
Yesterday 1:57 pm (11 hours ago)
Switzerland's National Bank will bring in a negative interest rate cutting the value of any money left on deposit in the country.
Yesterday 6:14 pm (7 hours ago)
A Canadian company operating in the North Sea has been forced to restructure its debt following the fall in oil price.
Yesterday 2:40 pm (11 hours ago)
The director of Premier Oil says no new North Sea projects are profitable with oil below $60 a barrel and the industry is "close to collapse".
Yesterday 12:32 pm (13 hours ago)
President Vladimir Putin seeks to ease fears over Russia's economy, insisting that the dramatic fall in the rouble will stabilise.
Yesterday 2:21 pm (11 hours ago)
Recent falls in the price of oil are likely to be temporary, says the oil minister for Saudi Arabia, Opec's biggest producing nation.
Yesterday 4:08 pm (9 hours ago)
About 6% of domestic energy customers were in debt to their supplier in 2013, figures show, but energy firms still owe money to customers too.
Yesterday 11:05 am (14 hours ago)
UK retail sales rose at their fastest annual rate in more than 10 years in November, thanks to the effects of Black Friday.
Yesterday 11:59 am (13 hours ago)
Snapchat founder Evan Spiegel left "devastated" as plans for his messaging app are leaked as part of the Sony Pictures hack.
Yesterday 3:50 pm (10 hours ago)
English councils will face an average cut of 1.8% in their overall spending power, the government says.
Yesterday 10:15 am (15 hours ago)
UK mortgage lending in November returned to the level seen a year earlier, lenders say, offering more evidence of a post-summer slowdown.
Yesterday 12:06 pm (13 hours ago)
The government made £180m less from the sale of Royal Mail than it could have, and the process of privatising state assets should be reformed, says a new report.
Yesterday 8:47 am (17 hours ago)
Agreement is reached between the government and the country's biggest mobile networks to improve coverage across the UK.
12:04 am (an hour ago)
Lord Sugar's adviser on The Apprentice Nick Hewer announces he is to leave the BBC One show after a decade.
Wednesday, 4:10 pm
Employers could scupper the season of goodwill by leaving their staff exposed to a tax charge after their Christmas party, accountants warn.
Yesterday, 12:38 am
People in the UK are using less energy, even though the economy is growing, new figures confirm.
Wednesday, 11:21 am
Pension savers with the smallest pots can be exposed to the highest levels of charges, an independent report reveals.
Wednesday, 1:59 pm
Wage growth picked up in the three months to October and outstripped the rise in the cost of living, while unemployment fell again, official figures show.
Yesterday 7:41 am (18 hours ago)
US Federal Reserve says it will be "patient" in deciding when to raise interest rates, with most analysts expecting a rise in mid-2015.
Wednesday, 4:32 pm
Russia says it is planning new measures to stabilise the rouble after its slump against the dollar.
Wednesday, 4:06 pm
The prolonged slump in the price of oil forces oil-export dependent Nigeria to revise its budget plans, prompting its currency to fall to a record low.
Monday, 12:02 am
How Paul Lindley, the boss of Ella's Kitchen, built up the UK's largest baby food business.
Tuesday, 1:41 am
Malawian business tycoon Mike Mlombwa tells the BBC how to deal with red tape and stay on the right side of the law when doing business.
Thursday, December 11th, 12:10 am
A growing number of small firms are boosting sales thanks to securing celebrity endorsements, but doing a deal with a famous figure doesn't necessarily guarantee success.
Wednesday, 7:57 am
The SPFL is to withhold £250,000 due to Rangers for broadcast fees to cover a fine relating to employee benefit trusts.
Tuesday, 1:28 pm
Fifa dismisses a complaint from its own World Cup corruption investigator Michael Garcia as well as two whistleblowers.
Monday, 4:40 pm
Northern Ireland's environment minister acted unlawfully in approving a new GAA stadium in west Belfast, a High Court judge rules.
12:00 am (an hour ago)
Why are people flocking to Hungary in order to try and escape from locked rooms?
Yesterday 7:02 pm (6 hours ago)
A BBC investigation for Panorama has exposed poor working conditions in factories making Apple products in China.
Wednesday, 10:28 pm
As the Russian rouble falls in value - and prices for imported goods looks set to rise - Russians have been flocking to the stores, to spend their cash on durable goods.
Yesterday 11:22 am (14 hours ago)
Kurdistan could soon be joining the ranks of the world's major oil exporters, thanks to a new pipeline to Turkey.
Yesterday 9:17 am (16 hours ago)
Three years ago retails expert, Mary Portas, carried out a review of the high street for the government and the BBC takes her back to one of those towns, Stockport, to find out if anything has changed.
Wednesday, 8:12 am
The European Commissioner for Economic and Financial Affairs says he wants "to open a new ear" in the relationship between the European Union and Greece.
Tuesday, 4:38 pm
The first contactless payment gloves are being trialled in stores in the run up to Christmas - Rory Cellan-Jones put them to the test.
Wednesday, 5:04 am
A former chief executive of one of the world's biggest cosmetics firms is suing a fast food stall near his holiday home in the French Alps.
12:01 am (an hour ago)
The underground escape games taking Hungary by storm
12:10 am (an hour ago)
How worried should we be?
Yesterday 7:03 pm (6 hours ago)
The knock-on effects of Russia's economic troubles
Yesterday 8:04 pm (5 hours ago)
The latest trend driving Asian spending sprees
Yesterday 11:24 pm (2 hours ago)
The mobile generators boosting Myanmar's electricity supply
Yesterday, 12:33 am
Those spending the day at work rather than celebrating
Wednesday, 9:58 pm
Five economic upsides to the US-Cuba deal
Yesterday, 12:55 am
Osborne’s payment plan makes little difference, says Anthony Reuben
Yesterday 10:09 am (15 hours ago)
Why are the EU-US trade talks proving to be so controversial?

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