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>

3:32 pm (2 hours ago)
Retailers including John Lewis and Currys head for record online sales as frenzied shopping swamps websites.
12:02 pm (6 hours ago)
Crude oil prices hit a four-year low in the wake of the decision of the Opec oil producers' cartel not to cut output.
5:11 pm (36 minutes ago)
Black Friday is less intense this year in the US after many stores opened earlier on Thursday.
10:58 am (7 hours ago)
The UK housing market is continuing to slow, Nationwide says, with annual house price inflation falling to 8.5% in November.
10:56 am (7 hours ago)
The eurozone inflation rate falls to 0.3%, suggesting that deflation remains a threat for the 18-nation bloc.
Yesterday 8:55 pm (21 hours ago)
The BBC has learned one of the Tesco executives suspended by the company over the £260m profit misstatement has left the company.
5:17 pm (30 minutes ago)
Shares in energy stocks fall further as investors continue to react to the sharp fall in oil prices following Thursday's Opec meeting.
2:40 pm (3 hours ago)
India's economy grew by 5.3% in the July-to-September period from a year earlier, down from a rate of 5.7% in the previous quarter.
12:04 am (18 hours ago)
A report from the UK parliament says Facebook, Twitter and other social networking firms need to make their terms and conditions clearer.
8:16 am (10 hours ago)
Regulator Ofgem imposes record £28m penalty on power generator Drax, while InterGen faces an £11m payout, for missing energy saving obligations
9:35 am (8 hours ago)
Japan's Nikkei closes at its highest level for two weeks, with exporters boosted by a weaker yen and airline shares helped by falling oil prices.
Yesterday, 12:53 pm
More than 70% of fresh chickens being sold in the UK are contaminated with the Campylobacter bug, the Food Standards Agency (FSA) reveals.
Yesterday, 4:23 pm
Germany's unemployment rate has hit a record low of 6.6%, but falling inflation has raised eurozone deflation fears.
Yesterday, 5:10 pm
The High Court bans a further 53 piracy sites, more than doubling the number that the UK's leading net providers must block.
Yesterday, 12:15 pm
A landmark vote at the European Parliament has called for Google's search business to be separated from its other businesses.
Yesterday, 5:11 pm
The American wife of London financier Sir Chris Hohn, Jamie Cooper-Hohn, is awarded £337m by a High Court judge in a divorce case.
Yesterday, 7:55 am
More than one million vinyl records have been sold in the UK so far this year - the first time the milestone has been achieved since 1996.
5:11 pm (37 minutes ago)
Police are called to supermarkets across the UK amid crowd surges as people hunt for "Black Friday" offers.
Wednesday, 4:32 pm
About 1.5 million gas customers with pre-payment meters have been overcharged because their meters are faulty, the industry has admitted.
Tuesday, 12:09 pm
The number of mortgages being granted by Britain's banks falls by 16% over the last year, according to banking industry body, the BBA.
Yesterday, 5:00 pm
The Scottish Parliament should have the power to set income tax rates and bands, the body on strengthening devolution recommends.
Yesterday, 12:00 am
The UK would face "severe economic consequences" if there was a significant disruption to the supply of electricity, says the Royal Academy of Engineering.
Yesterday, 5:21 am
Growth in the Philippine economy slowed sharply in the third quarter due to weaker growth in all sectors, the government announces.
Tuesday, 12:02 am
An entrepreneur who turned his back on banking to set up a shoemaking company shares his tips for success as part of the African Dream series.
Monday, 12:14 am
Edwina Dunn looks back on how she and her husband helped Tesco launch its Clubcard, and change how many of us do our shopping.
Wednesday, November 19th, 7:51 pm
How McDonald's, a beefburger company, penetrated and grew a business across India.
Wednesday, 6:24 am
Owner Ann Budge says leaving Tynecastle Stadium could be the most cost-effective long-term solution for Hearts.
Tuesday, 5:08 pm
A report examining the "evidence base" for policymaking suggests big sporting events have little or no direct economic benefit - and challenges other assumptions about teaching and police.
Wednesday, 12:00 am
The government calls on Fifa to publish in full the investigation into the 2018 and 2022 World Cup bidding process.
2:39 pm (3 hours ago)
There are calls on the government to do more to help the return of Tunisians who travelled to Iraq and Syria to fight with extremist groups.
1:49 pm (4 hours ago)
The BBC's Matthew Davies takes a look at the winners and the losers in this low-price environment.
1:47 pm (4 hours ago)
Residents of Cotonou - the economic capital of Benin - are hoping the addition of street names and house numbers will help improve the economy.
8:50 am (9 hours ago)
Black Friday has long been the most important day of the year for the US retail sector.
5:20 am (12 hours ago)
India's third quarter GDP figures are due out on Friday - and could indicate whether the prime minister's recent reforms are bearing fruit.
12:56 am (17 hours ago)
Oil exporting nations agreed to keep pumping oil at its current levels - a move that sparked new falls in the price of oil. What will be the effect in Asia?
12:51 am (17 hours ago)
Malaysia Airlines' third quarter earnings are due later on Friday - the last before it is taken over by a state investment fund.
Yesterday, 5:07 pm
BBC News looks at the Organization of the Petroleum Exporting Countries (Opec) and its challenges, amid a slump in global crude oil prices.
12:10 am (18 hours ago)
The seven best metaphors for the economy
12:16 am (18 hours ago)
Finding bounty in the depths of Davy Jones's locker
Yesterday, 12:14 am
Boxing Day sales come early to the UK?
12:13 am (18 hours ago)
Wal-Mart workers revolt against US shopping day
12:07 am (18 hours ago)
New ways to stop your smartphone running out of battery
Yesterday, 3:28 am
Last year's flood victims struggle with soaring insurance bills
Yesterday, 2:28 am
Whatever happened to the Brics economies?
Yesterday, 12:19 am
How sanctions against Russia are hitting UK businesses
Yesterday, 12:16 am
Transylvania's castle owners sink their teeth into business

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