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 or email inixon@backhouse.co.uk

To view our Private Client Brochure please click here>

2:47 am (3 hours ago)
British bank Standard Chartered has agreed to pay $300m to New York's top banking regulator for failing to improve money laundering controls.
Yesterday 8:29 pm (9 hours ago)
Former Microsoft chief executive Steve Ballmer announces he is stepping down from the board with immediate effect.
Yesterday 7:38 pm (10 hours ago)
More than 2,400 former Lehman Brothers bankers will have their pensions paid in full following a six-year legal battle.
Yesterday 10:25 pm (7 hours ago)
Apple shares surged to a record high on Tuesday helping to drive shares on Wall Street up for a second consecutive day.
2:13 am (4 hours ago)
Australia's Woodside Petroleum sees a 27% jump in first half profit, mainly driven by higher prices for its key product - liquefied natural gas.
Yesterday 4:09 pm (14 hours ago)
Carillion raises its offer for Balfour Beatty in a further bid to push through a merger of the two UK construction companies.
Yesterday 4:33 pm (13 hours ago)
The handset maker HTC has unveiled a new smartphone that runs a Windows Phone operating system - the first in more than two years.
Yesterday 4:55 pm (13 hours ago)
Regulated rail fares in England will rise by 3.5% in January 2015, following the release of inflation figures for July.
Yesterday 1:09 pm (17 hours ago)
The annual rate of UK inflation rate falls more than expected in July to 1.6% as the cost of clothing, footwear, food and non-alcoholic drinks eases during the month.
Yesterday 12:06 pm (18 hours ago)
Annual house price inflation was 10.2% in the year to June, driven by a 19.3% London rise, according to the Office for National Statistics.
Yesterday 11:57 am (18 hours ago)
Complaints about payday loan middlemen - so-called credit broking websites - have more than doubled in a year, the Financial Ombudsman says.
Yesterday 3:46 pm (14 hours ago)
Bulgaria suspends work on the Russia-led South Stream project, a pipeline stretching across the Black Sea to southern and central Europe.
Yesterday 12:57 pm (17 hours ago)
The shortlist of companies bidding to run rail networks in the north of England is announced by the government.
Yesterday 11:41 am (18 hours ago)
Russia sees some food price rises as a ban on imported Western products starts to take effect.
Yesterday, 12:00 am
EE has again been ranked top overall in research comparing the performance of the UK's mobile networks, with Vodafone coming last.
Yesterday 10:43 am (19 hours ago)
A former senior trader at Rabobank has pleaded guilty to interest rate rigging in the US.
Monday, 12:43 pm
Facebook is testing a new feature that warns users of satirical content posted from sites like the Onion.
Thursday, August 14th, 6:32 pm
A German company has an innovative approach to holiday email - it just deletes all of it. Good idea?
Yesterday 9:03 am (21 hours ago)
Bank of Scotland has been unfairly double billing customers who fell behind on their mortgages, a High Court judge in Belfast has ruled.
Monday, 7:42 am
Home and motor insurance premiums have dropped sharply, insurance brokers say, but the AA has highlighted big regional differences in costs.
Monday, 10:36 am
More than 820,000 more women have moved into low paid, insecure jobs since the start of the recession in 2008, according to a Fawcett Society report.
Monday, 12:28 am
Future North Sea oil and gas revenues could be six times higher than an economic watchdog has forecast, a report claims.
Sunday, August 17th, 11:57 am
A new tax on alcohol to fund abstinence-based treatment is among a number of measures to tackle drink and drug addiction recommended by a think tank.
Sunday, August 17th, 3:25 pm
Alex Salmond says he will explain his currency stance in more detail in a televised BBC debate later this month.
Wednesday, August 13th, 10:58 pm
The US retail market is a tough nut to crack, but there are a number of small UK firms who have managed to succeed in America.
Wednesday, August 13th, 12:07 am
Christopher Sharp explains how his rug collecting hobby led to a multi-million pound business with a star-studded client list.
Tuesday, August 12th, 12:33 am
How one South African designer made his name using traditional Xhosa designs at Johannesburg Fashion Week.
Saturday, August 16th, 4:12 pm
Coventry City's owners lodge an appeal against a decision that endorsed the city council loaning the firm that runs the Ricoh Arena £14m.
Friday, August 15th, 6:09 am
The Premier League's told Newsbeat they're taking action to stop fans uploading unofficial goal Vines onto social media.
Friday, August 15th, 2:54 pm
Almost a quarter of British clubs surveyed say their finances "need attention or are cause for grave concern".
Yesterday 9:53 pm (8 hours ago)
A Bradford company which revamps old Citroen 2CVs says more of the cars are being sold to France.
2:15 am (4 hours ago)
How will Standard Chartered be affected by the New York banking regulator's fine and dollar clearing restrictions?
Yesterday 8:10 pm (10 hours ago)
Houses in the Cotswolds are less affordable than those in London when wages are taken into account, pricing out some locals.
Yesterday 4:54 pm (13 hours ago)
With Chinese households getting richer, a growing number of people are investing their cash in American real estate.
2:08 am (4 hours ago)
One of India's richest men, Subrata Roy, is selling off investments in an attempt to free himself from prison.
Yesterday, 12:11 am
Oscar Olsen, the "beer hunter", says he wants to start a beer revolution across Africa.
Yesterday 10:02 am (20 hours ago)
Anne Francke from the Chartered Management Institute tells the BBC's Justin Rowlatt about the gender pay gap.
Monday, 10:54 am
David Ritchie, chief executive of Bovis Homes, discusses the company's half yearly results.
12:00 am (6 hours ago)
The man who says he's responsible for a million kids
Yesterday, 12:09 am
The 62 places more expensive than London
Yesterday 2:40 pm (15 hours ago)
EU sanctions prompt Russia to turn to Swiss cheese makers
Yesterday 8:29 pm (9 hours ago)
Why India is struggling to attract tourists
Yesterday, 12:11 am
Upgrading Windows can be tricky and expensive
Yesterday, 12:11 am
Starting a beer revolution in Africa
Sunday, August 17th, 8:10 pm
Riding a business wave in the surf
Thursday, August 14th, 11:29 pm
Are we becoming victims of the 'always on' work culture?
Thursday, August 14th, 11:36 pm
The battle of the football kit makers

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