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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>

1:00 am (an hour ago)
Will the decades of military collaboration between the US and UK matter in trade talks?
12:06 am (2 hours ago)
Around 40 attendees are understood to have pulled out of the high profile conference in Riyadh.
12:09 am (2 hours ago)
A breakdown of where the government's money comes from and where it goes.
Yesterday 4:38 pm (10 hours ago)
Whitbread aims new ZIP chain at travellers on very tight budgets who are willing to sacrifice space.
Yesterday 8:10 pm (6 hours ago)
Transport Secretary Chris Grayling was grilled by MPs about a timetable overhaul that caused chaos.
Yesterday 12:22 pm (14 hours ago)
BBC's Panorama says a US private equity firm failed to provide better mortgage deals for customers.
Yesterday 2:55 pm (11 hours ago)
The Court of Appeal says the supermarket is liable for a data breach in which staff data was posted online.
Yesterday 10:11 am (16 hours ago)
Philip Morris says its campaign is "an important next step" in its aim to stop selling cigarettes.
Yesterday 9:15 am (17 hours ago)
Higher fuel costs also contributed to a 7% decline in half-year profits.
Yesterday 10:14 am (16 hours ago)
The British footwear firm, which sells in 58 countries, sees sales and earnings rise.
Yesterday 4:48 am (22 hours ago)
The taxi firm is pitting itself against rival Uber in a race to offer self-driving car services.
Yesterday 9:44 am (17 hours ago)
The jump comes after Chinese officials moved to boost investor confidence as growth slows.
Yesterday, 12:05 am
When is the Budget, what is it, and why does it matter? Your guide to the chancellor's big day.
Sunday, October 21st, 12:24 pm
A man was filmed shouting abuse at a black woman in an incident that has been referred to police.
Sunday, October 21st, 12:55 am
Jeff Bezos, Sir Richard Branson and Elon Musk are among a number of entrepreneurs with galactic ambitions.
Friday, October 19th, 9:58 pm
A Which? investigator was hired to write high-rated reviews online in return for free goods.
Friday, October 19th, 9:57 pm
A survey says nearly a fifth of private tenants have waited more than three months to get a deposit back.
Friday, October 19th, 1:13 pm
The Environment Agency is probing claims exporters are abusing the recycled plastics market.
12:20 am (2 hours ago)
In the current climate of aggression and competition between countries and their leaders, the Good Country aspires to change the way that nations interact.
Yesterday 5:08 pm (9 hours ago)
The Elkins are being forced to sell their house because they've been stuck on high interest rates.
Yesterday, 12:14 am
Whatever product you design, your customers will dictate what sells, says GoPro boss Nick Woodman.
Thursday, October 18th, 9:45 pm
Kleenex has stopped branding big tissues Mansize, but that's not the only gender-identifying product out there.
Wednesday, October 17th, 6:04 pm
A BBC investigation finds numerous zero rated takeaways on Just Eat, the UK's biggest online platform.
Wednesday, October 17th, 8:41 am
The legalisation of cannabis in Canada could have a huge impact on the country's economy.
Tuesday, October 16th, 4:16 am
A Vietnamese start-up is betting on crickets as a way of keeping a growing world population fed.
Monday, October 15th, 3:34 pm
Businessman and former Dragons' Den star Theo Paphitis has credited dyslexia for his success.
Thursday, October 18th, 3:10 pm
People complained that the branding, which has been in use for 60 years, was sexist.
Tuesday, October 16th, 12:29 pm
The credit-card-sized device is designed to help people take a break from their main phone.
12:11 am (2 hours ago)
Ever wonder why UK productivity is so low? It's all down to meetings, says Stephanie Hare.
12:17 am (2 hours ago)
Despite the grand claims made for this distributed ledger tech, few companies are actually using it.
Yesterday, 12:09 am
After Samir Desai told two friends his idea for a business over a few pints, the three of them went on to establish lending firm Funding Circle.
Yesterday, 12:07 am
UK governments are not good at putting the amount into capital investments that they say they are going to.
Sunday, October 21st, 12:51 am
A revolution in Korean beauty trends has come to the UK, but why does it appeal so much to millennials?
Friday, October 19th, 9:58 pm
With the average cost of a funeral on the rise, a growing number of people are looking for cheaper alternatives.
Friday, October 19th, 12:08 am
Concept cars look beautiful and futuristic, but why spend millions on them if they're never going to make it into production?
Friday, October 19th, 12:13 am
Is the US economy under President Trump the best it's ever been?
Friday, October 19th, 4:28 pm
A ban on sales of new petrol and diesel cars should be brought forward by eight years to 2032, MPs say.
Thursday, October 18th, 1:56 am
The system is meant to ape the "in-work experience" but campaigners say it creates problems.
Thursday, October 18th, 12:08 am
The weird and wonderful ways companies adapt their products to get around trade tariffs.
Thursday, October 18th, 12:11 am
Superfast 5G mobile will require new handsets, but will the new services justify the extra expense?
Wednesday, October 17th, 12:09 am
Dumping rubbish is a waste of valuable resources, says Arthur Huang - and his company is showing why.
Tuesday, October 16th, 12:08 am
Whatever happened to the simple handshake at work? asks author Alison Green.
Wednesday, October 17th, 12:08 am
Tired of corruption, business people in Brazil come together to forge a new generation of lawmakers.
Wednesday, October 17th, 12:01 pm
The elite US university faces a legal challenge over its student selection policy but denies unfairness.
Tuesday, October 16th, 11:25 pm
In privacy law, marijuana and minimum wage, California is shaping national debate.
Tuesday, October 16th, 12:08 am
Ships are the lifeblood of global trade, but their fuel is highly polluting. What's the answer?
Monday, October 15th, 12:04 am
The plight of refugees fleeing war inspired Scottish businessman Charlie MacGregor to set up a charity to try to help.
Monday, October 15th, 5:37 pm
Trade links between the UK and Saudi Arabia have increased over the last decade.
Friday, October 12th, 9:55 pm
The unseen financial influence of the "Oscars of the restaurant industry".
Friday, October 12th, 12:24 am
Drones flying where they shouldn't has become a big problem, so how can we stop them?
Friday, October 12th, 9:55 pm
Joining would require the North to open up about its economy, but human rights are unlikely to be an issue.
Friday, October 12th, 6:19 am
As the UK's celebrates National Album Day, Spotify says albums "can still be absolutely monumental".

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