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>

9:38 am (41 minutes ago)
The information watchdog launches an investigation into claims details of millions of people's pensions are being sold to fraudsters and cold-calling firms.
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The owner of B&Q, Kingfisher, has abandoned its planned purchase of French DIY chain Mr Bricolage.
Yesterday 11:08 am (23 hours ago)
Greece's creditors are studying new reform plans put forward by Prime Minister Alexis Tsipras' government in a bid to secure further bailout funds.
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Italian luxury goods retailer Prada sees its net profit fall 28% last year as sales slumped in major markets of China and Europe.
Yesterday 9:25 pm (13 hours ago)
Executives at the Dutch bank ABN Amro have renounced a €100,000 allowance after a public outcry over the extra pay.
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A regular survey of Scotland's construction industry by the Scottish Building Federation finds confidence at a record high.
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Yesterday 5:27 pm (17 hours ago)
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Yesterday 7:41 pm (15 hours ago)
Swiss firm Dufry buys a controlling stake in World Duty Free from the Benetton family, creating the world's largest travel retailer.
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US consumer electronics chain Best Buy is closing its Canadian subsidiary, Future Shop, and converting 65 of its 131 stores into Best Buy outlets.
Yesterday 2:15 pm (20 hours ago)
The work and pensions secretary says the Conservatives are not keeping plans for £12bn of benefit cuts secret - saying no final decisions have been made.
Saturday, March 28th, 6:46 pm
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Thursday, March 26th, 3:34 pm
PayPal agrees a £5.1m payout over allegations it allowed payments from accounts deemed enemies of the state by the US government.
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A jury finds that a Silicon Valley firm did not discriminate against a female employee.
Friday, March 27th, 12:06 am
BBC News talks to designer Sean Miles of Design Works, who has moulded a phone from recycled parts and natural materials, including grass.
Friday, March 27th, 1:11 pm
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Friday, March 27th, 1:17 pm
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Friday, March 27th, 1:18 pm
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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 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