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>

2:18 am (10 hours ago)
Parents due partial refunds on their children's air tickets face a variety of ways to claim the money.
Yesterday 6:21 pm (18 hours ago)
Around 40% of homeowners with mortgages could struggle to move because they would not qualify for a new loan under tough new rules
Yesterday 9:49 pm (14 hours ago)
The Nasdaq and S&P 500 close at new record highs after US tech firms report strong first quarter profits.
Yesterday 5:15 pm (19 hours ago)
HSBC says it is considering whether to move its headquarters out of the UK, following "regulatory and structural reforms" in the banking industry.
Yesterday 5:08 pm (19 hours ago)
US cable giant Comcast abandons its planned $45bn purchase of Time Warner Cable after failing to convince regulators the deal would not harm competition.
Yesterday 3:02 pm (21 hours ago)
Eurogroup head Jeroen Dijsselboem warns that "big, big problems" need to be solved before any Greece debt deal can be agreed.
Yesterday, 7:43 am
The government sells more shares in Lloyds, raising about £586m and taking its stake in the bank to below 21%.
Yesterday, 7:56 am
Amazon says its web services business generated sales of $1.57bn in the first quarter of the year and is profitable.
Yesterday, 10:57 am
The cost of renting a home in Britain rose by 2.1% in the year to the end of March, official figures show.
Yesterday 5:14 pm (19 hours ago)
HSBC lifts the FTSE 100 as it mulls shifting its HQ abroad, but shares in French Connection dive almost 30% after it warns of weak sales.
Yesterday 12:05 pm (24 hours ago)
The woman who challenged sexism in Silicon Valley now faces a $1m legal bill unless she agrees not to appeal.
Yesterday, 4:38 am
Switzerland is the world's happiest country, according to a new survey, closely followed by Iceland, Denmark, Norway and Canada.
Yesterday 7:32 pm (16 hours ago)
Harley-Davidson is recalling nearly 46,000 motorcycles in the US because the bikes could stay in gear due to clutches that won't fully disengage.
Thursday, 2:56 am
American Airlines chief executive Doug Parker joins a select group of company bosses opting to be paid entirely in stock.
10:02 am (an hour ago)
The UK's biggest conference pear orchard has been planted at a farm in Kent, using techniques already used abroad in a bid to help British producers compete with their foreign rivals.
Yesterday 10:46 pm (13 hours ago)
Unemployment has hit a seven-year low, but more than a third of the new jobs created last year went to workers from abroad.
Yesterday 9:28 pm (14 hours ago)
Up to four million homeowners could struggle to move house as a direct result of the new rules on mortgage applications which came in last year.
Yesterday 12:27 pm (23 hours ago)
The wave of xenophobic attacks in South Africa has damaged the image of the country as an investment destination.
Yesterday, 12:51 am
One of India's most influential publishers tells the BBC that it's 'very hard' to make money in the Indian book industry.
Yesterday, 12:43 am
Submarines and $100m super yachts will be on show this weekend at the Singapore boat show.
Yesterday, 12:02 am
BBC News looks at some of the key points at stake, as Eurozone ministers continue to negotiate the Greek bailout.
Thursday, 5:43 pm
The BBC's Steph McGovern reports on the events which brought the British financial system close to collapse.
Yesterday 10:00 pm (14 hours ago)
Is your partner a financial bully?
Yesterday, 12:02 am
Snooker looks for big breaks in China
Yesterday, 12:02 am
The small island that's going big on bitcoin
Thursday, 5:01 pm
Why the era of the 'super jumbo' could be over
Thursday, 12:02 am
The rewards of doing business off the beaten track
Wednesday, 12:02 am
Will payday lenders survive a tougher regime?

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.

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