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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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9:11 am (an hour ago)
Home Retail Group says that store closures at Homebase will be accelerated, with the number of outlets cut by 25% by 2019.
12:07 am (10 hours ago)
The UK's wind farms generated more power than its nuclear power stations on Tuesday, the National Grid says.
Yesterday 6:45 pm (16 hours ago)
Russian investigators say "criminal negligence" caused the crash that killed the boss of oil firm Total and the three crew members of his private jet.
7:10 am (3 hours ago)
Allowing UK cities to make their own decisions on tax and spending could boost economic growth by £79bn a year by 2030, a year-long study concludes.
10:06 am (26 minutes ago)
Japan's trade deficit edges higher in September despite exports growing at their fastest pace in seven months.
Yesterday 9:43 pm (13 hours ago)
Technology giant Yahoo reports profits of $6.8bn for the third-quarter, buoyed mostly by earnings from the firm's stake in Chinese firm Alibaba.
Yesterday 3:42 pm (19 hours ago)
Italian police break a crime ring that defrauded the state of €1.7bn euros.
9:19 am (an hour ago)
The FTSE 100 falls in early trade, with British American Tobacco shares hit by news of a fall in revenue.
Yesterday 3:21 pm (19 hours ago)
McDonald's and Coca Cola post profits down sharply in the three months to the end of September, with both seeing sales under pressure in the US.
Yesterday 4:21 pm (18 hours ago)
The UK's largest building society - the Nationwide - had a temporary technical problem with its online and mobile banking service on Tuesday afternoon.
Yesterday 4:16 pm (18 hours ago)
Families could reduce energy bills by following new guidance from Public Health England on recommended heating levels.
Yesterday 12:24 pm (22 hours ago)
Tesco's sales are falling faster than any of its competitors as it loses market share to discounters Aldi and Lidl as well as upmarket rival Waitrose.
Yesterday 11:19 am (23 hours ago)
Government borrowing rises in September to £11.8bn, which will limit the government's options in the run-up to next year's election economists say.
Yesterday 11:15 am (23 hours ago)
Microsoft boss Satya Nadella has been given a pay package worth $84.3m, making him one of the top earners in the tech industry.
Yesterday 12:44 pm (22 hours ago)
German airline Lufthansa fails in a court bid to force its pilots to call off their strike, while union leaders warn of more action.
Friday, October 17th, 11:33 am
Russians put a brave face on the ban on Western food, but some businesses are suffering, Sarah Rainsford reports from Moscow.
Thursday, October 16th, 6:11 pm
A New York Times columnist argues the US and Saudi Arabia are using lower oil prices to advance their foreign policy goals.
1:00 am (10 hours ago)
Taxpayers are getting poorer value for money from government projects because of "confusion" over decisions, MPs warn.
Yesterday, 10:25 am
Borrowing drawing on the equity tied up in people's property hits its highest quarterly level since records began in 2002, figures show.
Yesterday 11:54 am (23 hours ago)
Home movers who face an extra bill owing to the payment system shutdown at the Bank of England on Monday can approach their bank for help.
Yesterday, 5:20 am
China's economy grows at its slowest pace since the global financial crisis, causing speculation the government may introduce more stimulus measures.
Monday, 11:08 am
The housing market is "sitting on a plateau", a lenders' group has said, despite renewed competition between providers on mortgage rates.
Monday, 8:05 pm
The Bank of England has launched an official probe after an automated system that transfers billions of pounds between banks was suspended for much of the day delaying house movers.
Wednesday, October 15th, 8:19 pm
Huang Nubo, the founder of property and leisure giant Beijing Zhongkun Investment Group, explains his unique approach to business.
Thursday, October 16th, 12:08 am
As Ethiopia's economy continues to expand, business is growing strongly for coffee shops in the capital Addis Ababa.
Sunday, October 12th, 11:37 pm
Marcos Galperin is the Argentine who set up MercadoLibre, the Latin American equivalent of ecommerce and auction website eBay.
Friday, October 17th, 3:20 pm
Glasgow hotels enjoyed a significant lift in room rates during July, helped by the Commonwealth Games.
Wednesday, October 15th, 12:01 am
The BBC Price of Football study finds some ticket prices in English football rising at almost twice the rate of the cost of living.
Monday, October 13th, 9:19 am
Former Denver Broncos quarterback John Elway says NFL players would cope with playing regularly in London.
12:09 am (10 hours ago)
The story behind the promotions at the end of the aisle
12:10 am (10 hours ago)
Why being over 40 makes you the perfect entrepreneur
12:10 am (10 hours ago)
The people who buy and then cancel student debt
Yesterday, 12:05 am
Can Zuckerberg help to bring more Indians online?
Monday, 8:09 pm
Charity in a mansion from Singapore's rare philanthropists
Monday, 12:21 am
Why being brilliant is not enough at work
Monday, 8:30 am
Gaming fans pack the League's championship final in Seoul
Monday, 12:26 am
The man who has made millions from money off vouchers

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