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>

8:21 am (an hour ago)
The Bank of England is due to unveil a plan which may see rule-breaking bankers return bonuses up to seven years after being awarded them.
9:18 am (44 minutes ago)
Millions of electricity customers will see an average reduction of £12 a year on their bills, according to proposals from the regulator, Ofgem.
5:00 am (5 hours ago)
HSBC bank writes to Finsbury Park Mosque and other Muslim organisations around the UK giving them notice their accounts will be closed.
8:25 am (an hour ago)
Barclays' half yearly profits fall 7% to £3.35bn, following a fall in revenue at its investment bank.
Yesterday 9:48 pm (12 hours ago)
Social networking service Twitter reports a second-quarter loss of $145m but better than expected user growth, sending shares surging over 35%.
8:24 am (an hour ago)
No deal is in prospect in Argentina's debt talks in New York as Wednesday night's default deadline approaches.
4:10 am (6 hours ago)
Japan's factory output falls 3.3% from May to June, the latest sign to highlight that the recent sales tax rise is affecting consumer demand.
8:35 am (an hour ago)
Barclays and Standard Chartered are among the top gainers in early Thursday trading, pushing the FTSE 100 into positive territory.
8:50 am (an hour ago)
Allied Irish Bank (AIB), the parent firm of Northern Ireland's First Trust bank, returns to profit for the first time since the financial crash.
Yesterday 12:29 pm (22 hours ago)
Oil giant BP reports a rise in second quarter profits to $3.2bn (£1.9bn), but warns that further economic sanctions against Russia could affect its business.
Yesterday 5:33 pm (16 hours ago)
British Gas owner Centrica announces the appointment of Iain Conn, currently BP's head of refining and marketing, as its new chief executive.
Yesterday 3:18 pm (19 hours ago)
There has been a sudden jump in the number of individuals becoming insolvent, in the steepest rise since 2010, according to government figures.
Yesterday 3:36 pm (18 hours ago)
Discounters Aldi and Lidl are booming at the expense of Tesco and Morrisons, research firm Kantar Worldpanel says.
Yesterday 4:29 pm (18 hours ago)
A group representing musicians in the US is suing Ford and General Motors over in-car CD players which allow tracks to be stored on a hard drive.
Yesterday 12:57 pm (21 hours ago)
The number of people taking out mortgages is back on the rise, according to figures from the Bank of England.
Yesterday 1:51 pm (20 hours ago)
Airbus cancels its contract with Japan's Skymark Airlines for the purchase of six A380 aircraft.
Yesterday 10:56 am (23 hours ago)
London's Gherkin skyscraper is put up for sale, with interest expected from Chinese, other Asian, and US buyers.
Yesterday 3:47 pm (18 hours ago)
Dating website OKCupid reveals that it experimented on its users, including putting the "wrong" people together to see if they would connect.
Monday, 11:27 am
Seven out of 10 regions of England and Wales recorded month-on-month falls in house prices in June, according to the Land Registry.
Monday, 12:05 am
The best credit unions should be empowered to offer short-term loans that are cheaper than those offered by payday lenders, according to a report from a think tank.
Monday, 1:06 am
Frauds committed by those aged 26-35 rise 285% in the first half of the year, to just over £62m, according to research by accountants KPMG.
Yesterday 12:40 pm (21 hours ago)
An oath for bankers should be introduced to raise accountability and standards in banking, says a think tank.
Yesterday 7:13 pm (15 hours ago)
An oil tanker carrying $100m of Iraqi Kurdish oil off the coast of Texas is set to be seized by US marshals after a judge approved a seizure request from the Iraqi government.
Monday, 7:15 pm
Government guidance that fracking licences can only be issued for beauty spots in "exceptional circumstances" receives a mixed response from campaigners.
Friday, July 25th, 12:13 am
Three business investors answer our readers' questions about how they judge whether or not to invest in a business venture.
Thursday, July 24th, 12:00 am
With a growing number of people going out for meals on their own, restaurants are increasingly seeking to appeal more to solo diners, reports Barbara Balfour.
Monday, July 21st, 11:50 pm
Easy Taxi founder Tallis Gomes explains how the difficulties of hailing a cab in Rio de Janeiro led him to create his smartphone app.
Yesterday 4:11 pm (18 hours ago)
Lawyers for Bernie Ecclestone say the Formula 1 boss is ready to pay a German bank 25 million euros ($34m; £20m) to settle a court case against him.
Yesterday, 12:11 am
A US judge rules that the LA Clippers basketball team can be sold, despite the objections of banned co-owner Donald Sterling.
Monday, 9:25 pm
Organisers of the 2022 World Cup in Qatar say they are "heavily dismayed" by claims that migrants who worked on their offices are still waiting to be paid.
12:08 am (10 hours ago)
The reindeer herders fighting an iron ore mine
12:12 am (10 hours ago)
Call it something else, says Argentina's president
12:13 am (10 hours ago)
The tech firm helping San Francisco's tough Tenderloin area
12:13 am (10 hours ago)
Turning Shakespeare's theatre into a living laboratory
Yesterday, 12:03 am
How did Michael Jackson help inspire a handbag firm?
Yesterday, 12:01 am
Nigeria's film industry finds new audiences online
Monday, 12:01 am
Why two Spanish sisters started a bakery in a desert

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