About Backhouse

With origins to 1935 our original company name was W J Mercer & Company Limited.

The business reformed when acquired by Steve Backhouse, who took the business from strength to strength during the 1960's and early 1970's. On his tragic and untimely death in 1974 the company has remained family owned under the chairmanship of Shirley Backhouse.

Throughout our history our core values remain unchanged. We seek to act with utmost professionalism in the primary interest of our clients.

With continual improvement and innovation, we seek real values for both our staff and more importantly our clients, and we remain a market leader in our field.

INDEPENDENT

We are one of the very few remaining independent brokers in the UK - We are NOT:

  • Owned by an Insurer

  • Part of a network

  • Owned by a consolidator

What are the benefits of being independent?

  • Our commission/fee costs are kept to a minimum.

  • Selection of an appropriate Insurer is decided upon in each individual instance as being appropriate to you; we don't work to a panel.

  • We deal directly with the Insurers and the underwriting/management teams to obtain maximum discounts/improved covers and beneficial claims payments.

  • Immediacy of decisions and ability to change our service as circumstances dictate for the client.

  • New Insurers seek to actively engage our team as no contractual account commitments are made to existing suppliers.

Overall we are in charge of our own destiny and seek independence as a unique differential.

FINANCIAL CONDUCT AUTHORITY

Backhouse Insurance Brokers Limited are authorised and regulated by the Financial Conduct Authority.

CHARTERED INSURANCE BROKERS (CII)

A hallmark of excellence in 2007 the insurance broking sector entered a new era of professionalism, with the Chartered Insurance Institute awarding "Chartered Status" to firms demonstrating excellence in their field.

The pinnacle of achievement is the award of "Chartered Insurance Broker".

Backhouse have responded to the challenges of a dynamic market, raising standards of knowledge, capability and ethical practice and gaining the Status, which acknowledges that the advice given by Backhouse is:

  • Of the highest quality.

  • Based solely on the researched needs of customers.

  • Provided by someone not exceeding their level of competency.

CLAIMS HANDLING

To us it is not a matter of simply sending you a claim form, we deal with urgency and speed, prioritising as you need and with action plan and agreement.

QUALITY ASSURANCE PROCEDURES

We are proud of the service and quality we provide and look to ensure it is maintained, both management and independent file reviews are undertaken weekly and monthly.

RISK MANAGEMENT

With NEBOSH qualified staff, we are able to comment on and recommend Health & Safety procedure, integrating any formal plan with the Insurer which results in contribution of cost or discount in rate.

CORE VALUES AND MISSION

Our mission statement has been and always will be to put our clients first, from negotiating the most competitive rate with the widest cover possible, to dealing directly with claims and any other issues that have an insurance related issue.

We endeavor to exceed expectations.

We never forget that when you select Backhouse you are placing your trust and care in our company and team.

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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