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>

2:24 am (3 hours ago)
Global stock markets proved resilient on Tuesday, despite Greece's rejection of austerity demands - Japan's stock market opened 1.25% higher, and other markets closed stronger than expected on Monday.
Yesterday 10:12 pm (7 hours ago)
Eurozone finance ministers say they expect to hear fresh proposals from Greece after a referendum rejected the terms of an international bailout.
5:09 am (28 minutes ago)
Second quarter earnings for the world's biggest smartphone maker, Samsung Electronics, will likely miss market expectations.
3:22 am (2 hours ago)
Asian markets head higher, recovering losses made a day earlier on fears that Greece would exit the eurozone, after voting no to bailout conditions.
Yesterday 9:35 pm (8 hours ago)
The big six energy suppliers have "overcharged" millions of energy customers to the tune of £1.2bn a year, the Competition and Markets Authority is expected to say on Tuesday.
Yesterday 8:01 pm (10 hours ago)
Changes to the pension system - allowing people to cash in their savings - will provide an extra tax windfall, research suggests.
Yesterday 6:17 pm (11 hours ago)
Shares in Weight Watchers International surge on reports it is a takeover target by an unnamed activist hedge fund.
Yesterday, 12:00 am
People who are the victims of so-called 'vishing' scams cannot always rely on their bank to compensate them, a study suggests.
Yesterday 12:45 pm (17 hours ago)
Rolls-Royce issues its third profit warning in just over a year, blaming lower oil prices, as well as weaker demand for some of its aircraft engines.
Yesterday 12:40 pm (17 hours ago)
UK new car sales in the year to June rose at the fastest rate on record, a motor industry survey finds.
Sunday, July 5th, 10:13 am
Chancellor George Osborne needs to carry out an "ambitious" tax reform agenda in his Budget on Wednesday, the Institute of Directors (IoD) has said.
Yesterday 9:16 am (20 hours ago)
After several days of erratic trade on Chinese bourses, the BBC’s Carrie Gracie assesses how the authorities have reacted.
Thursday, July 2nd, 11:51 am
A range of robots are on display at the Innorobo event in France, including the most advanced domestic robot to go on sale to the public.
Wednesday, July 1st, 6:43 pm
Norwegian mayonnaise maker Orkla signs a deal to use a non-stick coating in its food products.
1:18 am (4 hours ago)
Family recipes turn out to be lucrative assets in a globalising culinary world.
12:00 am (6 hours ago)
BBC News visits a technology incubator housing start-ups in Edinburgh, to find out what Scottish tech entrepreneurs want, ahead of the Budget in Westminster.
Yesterday 8:19 pm (9 hours ago)
The government will do "whatever is necessary" to protect the UK's economy against the fallout from Greece's bailout referendum, George Osborne has told MPs.
Yesterday 8:24 pm (9 hours ago)
Ros Atkins explains the banking restrictions and the impact are they having on everyday life in Greece.
Yesterday 11:02 am (19 hours ago)
More than a million British holidaymakers will be heading to Greece this summer, and as the debt crisis unfolds many will naturally be feeling nervous about how it could affect them.
Yesterday 5:43 pm (12 hours ago)
Greece's former finance minister Yanis Varoufakis says goodbye to staff after his resignation.
Yesterday, 12:09 am
What working parents want from the Budget
Sunday, July 5th, 7:48 pm
The $230m boss who served drinks on David Bowie's yacht
12:24 am (5 hours ago)
What the key words in the chancellor's lexicon mean
Yesterday 10:22 pm (7 hours ago)
Is there a place for religion in the workplace?
12:02 am (6 hours ago)
How apps are updating how hospitals work
Yesterday 3:43 pm (14 hours ago)
What you need to know if you're going on holiday to Greece
Yesterday, 12:05 am
How much new material will be in the extra Budget?
Yesterday, 12:02 am
How Pizza Express tackled the 'productivity puzzle'
Sunday, July 5th, 7:49 pm
The $230m boss who served drinks on David Bowie's yacht
Saturday, July 4th, 2:59 pm
What does it take to restore a legendary aircraft?
Friday, July 3rd, 3:39 pm
Is click and collect a retailer's nightmare?

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