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>

2:54 pm (6 hours ago)
All 120 Austin Reed stores will close by the end of June at the cost of 1,000 jobs, the menswear retailer's administrator said.
10:59 am (10 hours ago)
Volkswagen profit tumbles 20% in the first three months of 2016 as it continues to grapple with the fallout from the diesel emissions scandal.
7:38 pm (an hour ago)
The former head of embattled drugmaker Valeant will receive $9m (£6.2m) in severance payment along with thousands of dollars in consulting fees.
4:42 pm (4 hours ago)
Americans' willingness to open their wallets shot to a seven-year high in April, but confidence in the US economy fell in May.
11:14 am (10 hours ago)
Germany's unemployment rate fell to a record low in May, while the jobless rate across the eurozone fell to 10.2% in April.
10:31 am (10 hours ago)
A court begins hearing the case of Argentina and Barcelona footballer Lionel Messi who is charged with defrauding Spain of more than €4m (£3m) in tax.
11:14 am (10 hours ago)
Germany's top court rules in favour of a hip-hop artist in a copyright dispute with the pioneering electro-pop band Kraftwerk.
3:35 pm (5 hours ago)
India's economy grew by 7.6% in 2015-16 as the nation retained its place as the world's fastest-growing major economy.
1:14 pm (8 hours ago)
Fraudsters are mimicking a wider range of organisations - rather than only banks - in a bid to steal personal details via scam emails.
5:12 pm (4 hours ago)
The FTSE 100 fell back after opening higher on Tuesday as trading resumed following Monday's holiday.
4:48 pm (4 hours ago)
Leading Leave campaigners say the UK would be able to scrap VAT on fuel outside the EU - but George Osborne says this is "fantasy economics".
2:59 pm (6 hours ago)
President Francois Hollande of France insists that a controversial labour reform will not be withdrawn as strike action looms on the railways.
1:14 pm (8 hours ago)
More than 400 million hacked account IDs from Tumblr and MySpace are being offered for sale on the net.
Yesterday, 12:02 am
New figures suggest 63% of shoppers who bought women's clothes online in the last six months sent at least one item back to retailers.
8:07 pm (41 minutes ago)
Could leaving the EU cost you more to use your phone abroad? Rory Cellan-Jones has been finding out.
2:29 am (18 hours ago)
India's economy is expanding rapidly but finding a job is still difficult for some.
Sunday, May 29th, 6:28 am
The BBC Business series My Shop visits The Startup Van team, who have now left their van and moved into a shop in order to offer their interview service.
Yesterday, 8:22 am
BBC's Taiwan correspondent Cindy Sui meets with Zenbo - what its creator Asus says is the first 'affordable' household robot.
Yesterday, 1:25 am
How Gary Goodlander - known as 'Cap'n Fatty' financed his dream to sail around the world.
Yesterday, 12:10 am
As millions of Americans gear up for the driving season, increased demand at the pumps is pushing up oil prices worldwide.
Sunday, May 29th, 11:26 pm
Coconut picking has been traditionally a man's job in India but women are now filling the gap.
Sunday, May 29th, 8:39 am
Firms should be flexible with staffing during the Euro 2016 football tournament, which begins on 10 June, the conciliation service Acas says.
12:04 am (21 hours ago)
Brazilian icon to sell off his life in football
12:10 am (21 hours ago)
How to stop computers taking over the world
Yesterday, 12:07 am
The teenager who smuggled PCs through the Iron Curtain
Yesterday, 1:17 am
The businesses struggling with the Isis brand
Sunday, May 29th, 1:30 am
Could we finally see the end of overcrowded trains?
Friday, May 27th, 9:34 pm
How easy is it really to make a living as a model?
Friday, May 27th, 9:23 pm
Sainsbury's tests new ways to keep food cold
Friday, May 27th, 7:01 pm
Debt crisis pushes Greek TV channel to brink
Friday, May 27th, 12:00 am
How a 1986 Real Madrid game kick-started Champions League

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.

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 out 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.

Paul Reyner, Fagan and Whalley