COMMERCIAL SERVICES

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

Premium House Insurance

Prestige Home Insurance

We understand that for most people, their home is their most valuable asset. It is not just the bricks and mortar of the property, but also the contents and valuables within the home that require careful consideration to ensure that the correct sums insured and cover are applied.

By choosing Backhouse you will have access to a client manager who will take time to understand your individual needs and arrange the right protection for you. We pride ourselves on offering a personal service to ensure you get the attention you deserve.

We have access to leading insurers who can provide policies with benefits such as:

  • Worldwide all risks cover for your contents and valuables

  • Specialist cover for your fine art and antiques

  • Worldwide cover for your jewellery and watches

  • Annual Travel Insurance

  • Expert claims service

For more information please contact Ian Nixon on 01282 677776

To view our Private Client Brochure please click here>

7:30 pm (2 hours ago)
The UK supermarket plans to cut jobs in human resources as part of a £500m cost-saving plan.
11:50 am (10 hours ago)
Increases in transport and food prices push inflation to the highest rate for more than five years.
12:43 pm (9 hours ago)
The global economic body says staying in the EU would have "significant" positive impact on growth.
5:09 pm (4 hours ago)
We asked a debt expert your questions about debt.
10:16 am (11 hours ago)
House prices are lower in real terms in many areas than 10 years ago. Use our calculator to find out how your neighbourhood has fared.
2:27 pm (7 hours ago)
Shares of Merlin Entertainment tumble 20% after the firm forecasts flat growth for this year.
4:19 pm (5 hours ago)
Third quarter profits at the US banking giant fall, but its results were not as bad as expected.
2:25 pm (7 hours ago)
A committee of MPs had threatened to force publication of the report if the FCA did not agree.
2:14 pm (7 hours ago)
The European aerospace firm is to take a majority stake in Bombardier's C-Series jet project.
9:18 pm (13 minutes ago)
The benchmark US share index hit the new milestone before finishing just below 23,000 points.
8:43 am (13 hours ago)
The online fashion retailer's international sales have been boosted by the fall in sterling.
12:23 am (21 hours ago)
One of the world's biggest investors says there could be a "decent-sized" fall in stock markets.
9:54 am (12 hours ago)
The government wants to be able to scrutinise deals with companies whose turnover is more than £1m.
Yesterday, 1:24 pm
The rise of online shopping has turned retail upside down but innovative retailers are combining online and offline shopping.
Yesterday, 12:45 am
Grain Brewery's founder Phil Halls thought that making beer was easy, but could he overcome his early problems before his business folded?
Sunday, October 15th, 12:10 am
A brief history of the old pound coin as it drops out of circulation on Monday.
Thursday, October 12th, 4:23 pm
Developments in self-driving vehicles, mobile payments, data analysis and wireless tagging of stock could all completely change our shopping experience.
Friday, October 13th, 12:19 am
The BBC's Aaron Heslehurst explains how Blu Tack became a million dollar idea.
Thursday, October 12th, 1:49 pm
Darjeeling tea may become more difficult to get hold of. Political unrest halted production for three month this year and this has hit India's entire tea industry.
Friday, October 13th, 11:56 am
The minority community in South Africa's Durban fighting locals over a housing development project.
Thursday, October 12th, 11:03 am
The British Woodworking Federation warns the lack of skilled joiners is stifling business growth.
12:08 pm (9 hours ago)
Feature showed users how many calories they would burn if they walked to destination.
12:53 am (21 hours ago)
The Swedish furniture giant has been in the UK for 30 years, and earned both fans and critics.
12:30 am (21 hours ago)
What's the best way to sell online? And how do you make sure your website really works?
12:20 am (21 hours ago)
The social entrepreneurs innovating a clean water solution for Bangladesh's arsenic poisoning crisis
Yesterday, 12:49 am
Paresh Davdra developed his successful money exchange firm from the ground up.
Yesterday, 12:48 am
Designed in 1775, the S-bend was key to the flushing toilet, and public sanitation as we know it.
Friday, October 13th, 10:24 pm
The industrial crisis at Kobe Steel is deepening but some warn it won’t be the last Japanese business scandal.
Friday, October 13th, 10:19 pm
Formula One teams' costs have soared after rules changes designed to make for closer competition.
Friday, October 13th, 12:06 am
Just 13% of US academic economists are women - and only one has won the Nobel Prize in economics. Why are women so under-represented in the profession?
Friday, October 13th, 12:09 am
How apps using image recognition are helping farmers identify crop diseases.
Thursday, October 12th, 12:11 am
A growing number of firms are crafting bikes using wood, but some cyclists remain wary
Wednesday, October 11th, 1:30 pm
Where we are, and where we want to go is at the heart of many of the world's most innovative businesses.
Wednesday, October 11th, 12:05 am
Michael Eisner is using is expertise in the US entertainment industry to turn around Portsmouth FC.
Wednesday, October 11th, 12:00 am
What solutions would work best to deal with our growing coffee cup waste mountain?
Wednesday, October 11th, 12:08 am
The countries where most girls don't even get to start primary school.
Tuesday, October 10th, 12:23 am
This Bangladeshi doctor who turned a shampoo bottle into a low-cost lifesaver
Tuesday, October 10th, 12:28 am
Can a wave of disruptive ideas change our shopping habits?
Tuesday, October 10th, 12:30 am
Carbon emissions contribute to global warming, so could tech that removes them from the air slow the process?
Monday, October 9th, 4:27 pm
Five ways the theory behind this year's Nobel prize for economics may have influenced your behaviour.
Monday, October 9th, 2:45 pm
How Munaf Kapadia runs a successful "pop up" restaurant at his family home in Mumbai.
Monday, October 9th, 12:08 am
British scientists played a key role in developing radar, which has helped deliver safer skies.
Friday, October 6th, 12:12 am
Carmakers are increasingly sending vehicle software updates wirelessly, but how risky is this?
Thursday, October 5th, 12:24 am
Some film memorabilia fetches millions at auction, but it can cost nothing to start a collection.
Wednesday, October 4th, 12:16 am
Could niche perfumes made by artisan houses be the saviour for the struggling fragrance industry?
Wednesday, October 4th, 10:04 am
Sheikha Hind provides a modern face for the wealthy, blockaded Gulf state of Qatar.
Wednesday, October 4th, 12:23 am
International students are increasingly looking outside the US to pursue graduate business education.
Tuesday, October 3rd, 12:13 am
Meet the engineers who create ice structures in India's far north, to try to solve persistent water shortages.
Tuesday, October 3rd, 12:19 am
5G broadband could be 10 times as fast as 4G and underpin many new technologies of the future.
Tuesday, October 3rd, 12:24 am
From take-off to final grounding, the airline has seen the best and worst of times in the airline industry.
Monday, October 2nd, 3:30 am
There are lots of reasons to fight for gender equality - but could hiring more women make you more money?
Monday, October 2nd, 12:34 am
Asking customers what they wanted profoundly changed how retailers sold their goods.
Monday, October 2nd, 12:41 am
Greg Steltenpohl founded one of America's best-known smoothie brands, but almost lost everything after a major corporate crisis.
Friday, September 29th, 10:00 pm
Banks are investing in the centre of cities like Manchester, but are closing branches in the suburbs.
Friday, September 29th, 3:23 pm
A rise in interest rates would be good news for savers, but bad for borrowers. How would a rise of 0.25% affect you?
Friday, September 29th, 12:20 am
Japanese researchers are developing new light-but-strong materials combining wood pulp and plastics.
Wednesday, September 27th, 4:33 pm
The UK's sugar beet industry plans to ramp up production as EU quotas come to an end after 50 years.
Thursday, September 28th, 12:20 am
More businesses are embracing the 'buy one, donate one' model, but can they also turn a profit?

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