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>

5:57 pm (an hour ago)
David Cameron says a future Conservative government would cut taxes for thirty million people as he delivers his party conference speech.
5:46 pm (an hour ago)
Sainsbury's shares close down 7% as supermarket price wars prompt its third consecutive quarterly sales fall.
10:38 am (9 hours ago)
Thousands of customers trying to renew their car tax online are experiencing problems with the Driver and Vehicle Licensing Agency (DVLA) website.
3:29 pm (4 hours ago)
The US dollar continued its rally on Wednesday, hovering near a four-year high against major currencies, and analysts say there is more to come.
7:43 am (12 hours ago)
Tesco says it has been notified by the Financial Conduct Authority that it is under investigation following its admission that it overstated its half-year profit guidance by £250m.
12:48 pm (6 hours ago)
Lloyds is offering home buyers free iPad mini tablets in an intensifying mortgage war between major banks.
11:01 am (8 hours ago)
The UK manufacturing sector grew at its slowest pace for 17 months in September as a result of the strong pound and weakness in the eurozone, a survey indicates.
12:12 pm (7 hours ago)
The Ministry of Defence awards £3.2bn of contracts for the maintenance of the Royal Navy fleet, securing 7,500 jobs.
12:08 pm (7 hours ago)
The French government says it will reduce its budget deficit to below the EU threshold of 3% of GDP by 2017, two years later than promised.
5:19 pm (an hour ago)
Supermarket shares lead the FTSE lower after Sainsbury's reports another fall in sales and warns there is no sign of an improvement in trading.
Yesterday 7:56 pm (23 hours ago)
Microsoft announces the next version of its core operating system, called Windows 10, which will reintroduce the Start Menu.
2:37 am (17 hours ago)
Legal changes increasing the inheritance rights of people whose spouses or civil partners die without making a will come into force.
Yesterday 8:48 pm (22 hours ago)
The first councils to offer help to people wanting to build their own home through the Government's 'Right to Build' scheme are announced.
Yesterday, 6:00 pm
E-commerce site eBay is planning to split off its payments system PayPal into a separate company next year.
Yesterday 8:54 pm (22 hours ago)
The US state is the first to pass legislation imposing a ban on single-use plastic bags in grocery and convenience stores.
Yesterday, 7:51 am
The video streaming site Netflix will release its first feature-length film in 2015, after striking a deal with the Weinstein Company.
Yesterday, 1:52 pm
Annual profits at payday lender Wonga have fallen by more than half, the company announces.
Yesterday, 8:56 am
The annual pace of house price growth slowed to 9.4% in September in England and Wales, according to the Nationwide.
Monday, 5:38 pm
A future Conservative government would freeze benefits paid to people of working age for two years, Chancellor George Osborne tells the Conservative Party conference.
2:20 am (17 hours ago)
Japanese large manufacturers' confidence improved in the three months to September, according to a closely-watched central bank survey.
Yesterday, 11:27 am
UK economic growth has been revised up to 0.9% for the second quarter of the year by the Office for National Statistics.
Yesterday 9:57 pm (21 hours ago)
Argentina deposits $161m in bond interest payments with the state-controlled Nacion Fideicomisos bank, in an effort to skirt US court rulings.
Sunday, September 28th, 11:04 pm
The Featherdale Wildlife Park, a private zoo in Sydney, is thriving by offering a "hands-on" experience with its animals.
Thursday, September 25th, 12:06 am
Independent shop owners in Rio de Janeiro are complaining about higher rents and crime rates, and less customers, forcing many to close, reports Donna Bowater.
Wednesday, September 24th, 12:00 am
Charles Rolls and Tim Warrillow, the co-founders of tonic water business Fever-Tree, decided to set up together upon meeting for the very first time.
Yesterday, 2:08 pm
Virgin Media asks Ofcom to investigate the way that the Premier League sells its TV rights, saying the present system is causing "significant consumer harm".
Yesterday, 5:37 pm
Every game at the Rugby World Cup is oversubscribed in at least one price category, with tickets to be allocated by ballot.
Monday, 10:47 am
Hosting golf's Ryder Cup was a £40m free advert underlining Scotland's status as the "home of golf", tourism bosses say.
12:01 pm (7 hours ago)
Sainsbury's has announced like-for-like sales fell almost 3% in the three months to September.
3:49 am (15 hours ago)
Indian Prime Minister Narenda Modi and US President Barack Obama are looking to expand economic ties following a meeting at the White House.
1:15 am (18 hours ago)
Microsoft has disclosed the first details of Windows 10 - its next operating system (OS).
Yesterday, 12:11 am
Worldwide web inventor Sir Tim Berners-Lee talks about his concerns for the internet, as he renews his call for a digital Magna Carta.
Monday, 10:08 pm
Robert Peston looks at how much George Osborne has to save to eliminate the UK's deficit and where he might find the money.
Monday, 11:43 pm
Aldi, the discount supermarket chain, has posted a big rise in full-year profits as its share of the British grocery market continues to grow.
Monday, 9:00 am
BBC Inside Out investigates the options for the UK's growing plutonium stockpile at Sellafield in Cumbria.
Sunday, September 28th, 11:01 pm
Featherdale Wildlife Park in Sydney believes zoos are no longer just about displaying animals but have a valuable role in saving species.
12:01 am (19 hours ago)
Test your knowledge of 1 October changes
2:35 pm (5 hours ago)
What impact will HK protests have on businesses?
4:04 pm (3 hours ago)
How might you be affected by Cameron's pledge?
Yesterday 11:55 pm (19 hours ago)
The $250m internet firm at the forefront of 'lowbrow click-bait'
12:05 am (19 hours ago)
Irish water charges spark a flood of complaints
Yesterday 11:04 pm (20 hours ago)
The rise, and possible fall, of the 'Bond King', Bill Gross
Yesterday 11:58 pm (19 hours ago)
Brazil says it needs teachers not footballers
Yesterday, 12:03 am
The startups hoping to transform the marijuana industry
Yesterday, 7:06 pm
Would an inquiry burst Premier League bubble?

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