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Wholesale Insurance

Property Owners Insurance

An expertise both in commercial and residential property owners, we understand the sector and its particular needs and requirements.

Complications with tenants do arise and we seek to handle any issue and deal to ensure the least disruption and complication.

All our policies are bespoke offering leading edge wordings and enhancements to ensure that we obtain maximum benefits when a claim occurs.

  • Rebuild and repair following claim with environmental improvement to take account of energy efficiency.

  • Non invalidation of any claim following action of a tenant.

Other issues arise such as unoccupancy where proactive action can avoid a reduction in the cover and increase in the rate charged.

Other matters require legal assistance such as the eviction of squatters to the prevention of fly tipping.

For more information please contact Peter Barnes on 01282 677776

4:36 pm (2 hours ago)
House movers remain delayed after the Bank of England stopped an automated system that transfers billions of pounds between banks for much of the day.
11:08 am (8 hours ago)
The housing market is "sitting on a plateau", a lenders' group has said, despite renewed competition between providers on mortgage rates.
1:34 pm (5 hours ago)
Five of the UK's biggest price comparison sites are accused of "hiding" the best energy deals from consumers by one of their rivals
5:22 pm (an hour ago)
Banks may have to cut pay to reflect lower industry returns since the financial crisis, a senior Bank of England executive has warned.
5:49 pm (an hour ago)
Ed Balls says owners of properties worth between £2m and £3m will pay an extra £250 a month in "mansion tax" under a future Labour government - with higher rates for higher value homes.
1:26 pm (5 hours ago)
IBM is paying $1.5bn to offload its loss-making chip manufacturing division to sovereign wealth fund owned GlobalFoundries as it announces a 17% profits fall.
1:30 pm (5 hours ago)
Hundreds of people are searching for their money after transferring frozen pensions.
2:22 pm (5 hours ago)
RWE npower, the owner of Didcot B power station in Oxfordshire, says half of the site will remain out of action indefinitely after a fire.
12:04 am (19 hours ago)
The UK economy will grow by 2.4% next year, well below the 3.1% growth expected this year, forecasting group EY Item Club says.
1:14 pm (6 hours ago)
Shares in sportswear giant Adidas jump 6% after a report says that a group of investors is considering a bid for the company's Reebok brand.
12:35 pm (6 hours ago)
The FTSE 100 sees more falls, dropping nearly 1%, with shares in oil firms being hit by the recent decline in the price of crude.
8:18 am (11 hours ago)
Greene King raises its offer for Spirit Pub Company, the owner of the Chef & Brewer chain, which indicates it will accept the bid if other details can be worked out.
3:53 pm (3 hours ago)
A Lufthansa pilots' strike hitting both short and long-haul services has affected the plans of 200,000 travellers.
Friday, October 17th, 11:33 am
Russians put a brave face on the ban on Western food, but some businesses are suffering, Sarah Rainsford reports from Moscow.
Thursday, October 16th, 6:11 pm
A New York Times columnist argues the US and Saudi Arabia are using lower oil prices to advance their foreign policy goals.
4:34 pm (2 hours ago)
The UK risks being "permanently divided" between rich and poor unless more is done to boost social mobility, says Alan Milburn, the government's anti-poverty tsar.
12:00 am (19 hours ago)
Male and female civil servants will be entitled to full parental pay from April 2015, Deputy Prime Minister Nick Clegg is to announce.
Saturday, October 18th, 1:39 am
Citizens Advice is to provide free face-to-face guidance following the government's announcement of new pension rules.
11:23 am (7 hours ago)
The Russian rouble weakens further against the dollar after Moody's downgrades its credit rating, blaming the economic damage caused by sanctions.
Yesterday, 3:36 pm
The German government must increase investment to improve competitiveness, says finance minister Wolfgang Schaeuble.
Friday, October 17th, 9:58 pm
Interest rates should remain low to avoid long-term economic stagnation, says the chief economist at the Bank of England.
Wednesday, October 15th, 8:19 pm
Huang Nubo, the founder of property and leisure giant Beijing Zhongkun Investment Group, explains his unique approach to business.
Thursday, October 16th, 12:08 am
As Ethiopia's economy continues to expand, business is growing strongly for coffee shops in the capital Addis Ababa.
Sunday, October 12th, 11:37 pm
Marcos Galperin is the Argentine who set up MercadoLibre, the Latin American equivalent of ecommerce and auction website eBay.
Friday, October 17th, 3:20 pm
Glasgow hotels enjoyed a significant lift in room rates during July, helped by the Commonwealth Games.
Wednesday, October 15th, 12:01 am
The BBC Price of Football study finds some ticket prices in English football rising at almost twice the rate of the cost of living.
Monday, October 13th, 9:19 am
Former Denver Broncos quarterback John Elway says NFL players would cope with playing regularly in London.
8:05 am (11 hours ago)
Indonesia's new President Joko Widodo officially starts in the top job today, but pushing through his reform programme won't be easy.
2:02 pm (5 hours ago)
A public awareness campaign is being launched to highlight the carrier-bag charge which has come into force in Scotland.
8:21 am (11 hours ago)
Tens of thousands of fans turn out to watch competitors play each other at the League of Legends World Championship in Seoul, South Korea.
8:22 am (10 hours ago)
Drivers could benefit if savings from a drop in petrol and diesel wholesale prices are passed on, but the Petrol Retailers' Association says smaller forecourts could suffer.
9:22 am (9 hours ago)
Changes in the rules surrounding pensions could lead to more people being persuaded to transfer their savings to risky investment schemes, some of which may be fraudulent.
9:40 am (9 hours ago)
Five of the UK's biggest price comparison sites are accused of "hiding" the best energy deals from consumers - by one of their rivals.
10:23 am (8 hours ago)
All Civil Service employees will be entitled to full parental pay from April 2015, Deputy Prime Minister Nick Clegg will announce.
Saturday, October 18th, 9:54 am
Learning to drive can be a tricky hurdle to overcome no matter however old you are, but for many young drivers the financial cost can be a particular challenge.
12:21 am (19 hours ago)
Why being brilliant is not enough at work
8:30 am (10 hours ago)
Gaming fans pack the League's championship final in Seoul
12:26 am (18 hours ago)
The man who has made millions from money off vouchers
12:36 am (18 hours ago)
How Mauritius' sugar cane is proving flexible
Friday, October 17th, 1:21 pm
Where did it all go wrong for Europe's biggest economy?
Yesterday, 12:59 am
The element that heats the Earth and gets everyone arguing
Friday, October 17th, 12:05 am
Ball pit meeting rooms and other unusual workplaces
Friday, October 17th, 12:05 am
As oil prices fall, who will be the winners and losers?

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 our 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.

We find Backhouse both conscientious, professional and great value for money delivering a first class claims service.

Paul Reyner, Fagan and Whalley