COMMERCIAL SERVICES

We can help protect your business, click here to discover our range of comemercial services.

Life and Health Insurance

Life and Health Insurance

Protecting your finances, in case of premature death or illness, lies at the heart of sensible financial planning. None of us know what the future holds and so it is important to protect our well-being. After a careful appraisal of your circumstances, our advisers will assess your needs and in following their plan you should be protected from financial vulnerability in case of the unforeseen.

Through our sister company, Backhouse Independent Financial Services Ltd, our independent financial advisers will tailor a package to meet your demands, whether protecting your personal needs or those of your business interests.

Please contact us for friendly and professional advice on:-

Personal

  • Life Assurance

  • Mortgage  Protection

  • Critical Illness Insurance

  • Permanent Health Insurance

  • Private Medical Insurance

Business

  • Key Person life assurance

  • Key Person Critical Illness

  • Permanent Health Insurance

  • Private Medical Insurance

  • Shareholder Protection

For more information please contact Martin Edwards on 01282 677776

To view our Private Client Brochure please click here>

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.

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