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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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7:34 am (28 minutes ago)
Mortgage applicants will face tougher questions about their lifestyle from lenders, under new rules that come into force on Saturday.
7:17 am (46 minutes ago)
Ed Miliband is to outline plans to tackle the "epidemic" of zero-hours contracts in a speech in Scotland later.
2:38 am (5 hours ago)
Four of the biggest technology firms - Apple, Google, Intel and Adobe - settle a class action case alleging they conspired to hold down salaries.
Yesterday 9:50 pm (10 hours ago)
Internet retailer Amazon reports a 32% jump in profit to $108m in the first quarter, but investors worry over increasing expenses.
Yesterday 9:47 pm (10 hours ago)
Microsoft earnings decline to $5.66bn, but beat market estimates as new chief executive Satya Nadella's push into cloud computing pays off.
Yesterday 10:42 pm (9 hours ago)
Barclays agrees to a $280m settlement with US regulators over allegations it misled US mortgage lenders Fannie Mae and Freddie Mac during the housing crisis.
4:36 am (3 hours ago)
Tokyo consumer prices rise at their fastest pace in 22 years, surging 2.7% over a year, pointing to a likely increase in inflation across Japan.
4:53 am (3 hours ago)
Iran cuts state subsidies on petrol, sending prices up by as much as 75%, as the government tries to boost an economy battered by sanctions.
Yesterday 5:24 pm (15 hours ago)
Barclays shareholders vote to approve the bank's remuneration package, which includes higher bonuses despite a 30% fall in profits.
Yesterday 1:43 pm (18 hours ago)
The Labour Party is looking to sever its links with the troubled Co-op Bank, bringing to an end one of the oldest political partnerships in the UK.
Yesterday 8:29 pm (12 hours ago)
London's Gherkin skyscraper has been placed into receivership by creditors after one of its owners was declared insolvent
Yesterday 2:09 pm (18 hours ago)
General Motors sees first quarter profits hit by a $1.3bn charge to cover the cost of a huge recall of cars over defective ignition switches
Yesterday 2:57 pm (17 hours ago)
The postal union, the CWU, says it's secured a pay deal covering more than 3,000 staff at Crown Post Offices worth up to 7.3% over 3 years.
Yesterday 12:33 pm (19 hours ago)
UK carmakers increased production in March, helped by demand from Europe and after a number of firms finished upgrading their plants.
Yesterday 11:37 am (20 hours ago)
Con artists are using the Green Deal energy efficiency scheme as cover to cheat cash out of householders, Citizens Advice has claimed.
Yesterday 4:51 pm (15 hours ago)
The US Food and Drug Administration is seeking minimum age restrictions and warnings on e-cigarettes because of uncertainties over their impact on health.
Wednesday, 1:43 am
Businesses in the Highlands have been offered free advice on how they can cash in on the Loch Ness Monster myth.
Tuesday, 12:36 pm
Small print on some car insurance policies has a higher word count than George Orwell's novel Animal Farm, a consumer website has found.
6:36 am (an hour ago)
Ulster Bank, a subsidiary of RBS, says all customers whose accounts were debited twice as a result of a computer glitch have had the money repaid.
Yesterday, 7:50 am
The Scottish government disputes UK government claims about future pension costs in an independent Scotland.
Yesterday 9:04 am (23 hours ago)
A study says the public cost of higher university fees and loans is "highly uncertain" and depends on how much future graduates will earn.
Yesterday, 7:33 am
South Korea's economy grows more than forecast in the first quarter, helped by a jump in construction and exports.
Wednesday, 1:11 pm
The UK government borrowed £107.7bn in the financial year to April 2014, lower than the amount it borrowed the previous year.
Wednesday, 6:24 pm
Portugal's chances of exiting its three-year bailout rose after yields on its 10-year government debt fell sharply to an eight-year low of 3.58% at a bond auction.
Tuesday, 12:33 am
Most companies have value statements, but what can chief executives do to ensure they add meaning and are more than rhetoric?
Tuesday, 8:50 am
The BBC's Jane O'Brien profiles US-Somali investor Mohamed Ali, who returns to his African homeland to help businesses to grow and prosper.
Sunday, April 20th, 1:13 am
Some of the UK's most successful entrepreneurs talk to the BBC about how to succeed - and share some of their biggest mistakes.
Yesterday 11:05 am (21 hours ago)
Convicted football match-fixer Wilson Raj Perumal is being held by Finnish police on an international arrest warrant, officials say.
Yesterday 12:10 pm (20 hours ago)
Rangers are in a "fragile" financial state and would not survive a second administration, a club shareholder tells BBC Scotland.
Yesterday 1:54 pm (18 hours ago)
Formula 1 boss Bernie Ecclestone denies charges of bribery at the start of his trial in Munich and says he will fight to clear his name.
12:45 am (7 hours ago)
How Christian von Koenigsegg created a megacar
12:02 am (8 hours ago)
How home loan applicants could be asked about their lifestyle
12:13 am (8 hours ago)
Can small firms compete with big business on data analytics?
Yesterday, 12:09 am
The unlikely debt capital of Britain
Yesterday 9:47 pm (10 hours ago)
Why Rana Plaza survivors need compensation not charity
Yesterday 7:01 pm (13 hours ago)
Shareholders wary of making allowances
Wednesday, 8:00 pm
Firms ditching the US and Europe for tropical paradise
Yesterday, 12:16 am
Can energy grids cope with higher demand and volatile supply
Wednesday, 9:57 pm
Survivors recall Rana Plaza disaster one year on

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