PRIVATE CLIENT

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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

6:32 pm (5 hours ago)
Computer security firm Symantec discovers what it says is one of the most sophisticated pieces of malicious software ever seen.
9:23 pm (2 hours ago)
A supermarket price war is behind a sharp rise in the number of firms involved in food production folding, new research claims.
7:24 pm (4 hours ago)
A London-bound British Airways plane makes a second unscheduled landing at Shannon Airport within three days.
1:08 pm (11 hours ago)
The QEII Conference Centre and the Civil Service Club are among four London landmarks that Labour says could be sold off to reduce the deficit.
4:14 pm (8 hours ago)
A law forcing communications firms to keep details that could help identify criminals using the internet is being planned by the home secretary.
Friday, 6:05 pm
State-backed bank Royal Bank of Scotland (RBS) says a data error means it only just passed a European stress test of its balance sheet.
Friday, 6:33 pm
Aviva and Friends Life are in talks about a possible £5.6bn merger deal, the two insurance companies have said.
Friday, 9:45 pm
Wave power technology firm Pelamis is calling in administrators after failing to secure development funding.
Yesterday, 5:30 am
Labour urges the government to ensure people taking advantage of new pension freedoms next April are not ripped off by financial firms.
Friday, 5:11 pm
A cut in interest rates in China and comments from Europe's Central Bank chief spur US markets on to fresh highs
Friday, 12:49 pm
Government borrowing fell to £7.7bn in October, official figures show, down £0.2bn from a year earlier.
Friday, 10:03 am
American airline Delta replaces its old Boeing planes in a $14bn order for 50 Airbus wide-body jets powered by Rolls Royce engines
Friday, 12:27 pm
James Dyson tells the BBC it's important to keep engineers in Britain to produce hi-tech exports, as he announces a £1bn investment in research and development.
Friday, 6:07 pm
HSBC's Swiss-based private banking arm confirms it has been placed under formal investigation in France, days after being accused of tax fraud by Belgium authorities.
Friday, 12:14 pm
Taxpayers will have longer to appeal before HM Revenue and Customs can raid their bank accounts for unpaid taxes, under revised plans released by the Treasury.
Friday, 1:14 am
The chief executive of renowned auction house Sotheby's, William Ruprecht, is stepping down after 14 years at the helm.
Thursday, 10:27 pm
The former chief executive of JJB Sports, Christopher Ronnie, is convicted of accepting more than £1m in backhanders from suppliers.
3:04 pm (9 hours ago)
Workers at a tea plantation in eastern India beat and stab the owner to death in a row over pay arrears.
Friday, 1:29 pm
La Liga giants Valencia are facing a fight to be allowed to use a bat symbol on their crest - from the creators of Batman.
Friday, 4:43 pm
Some Royal Bank of Scotland customers suffer from problems using cards in stores and at cash machines, the day after the bank was fined £56m for its 2012 IT meltdown.
Wednesday, 3:31 pm
The average full-time pay gap between men and women is at its narrowest since comparative records began in 1997, but is still a difference of 9.4%, official figures show.
Thursday, 11:53 am
Royal Bank of Scotland is fined £56m by regulators after a 2012 software issue left millions of customers unable to access their accounts.
Yesterday, 5:50 pm
A new body to encourage development in wave energy technology is announced the day after one wave power company called in the administrators.
Thursday, 12:50 pm
UK retail sales rise 0.8% October compared with September, and is 4.3% up on October 2013, according to official figures.
Thursday, 5:15 am
Activity in some of China's factories and workshops hits a six month low in November, a fresh survey shows.
Thursday, 12:10 am
As more Emirati women enter the private sector, a growing number are going into fashion design, reports Verity Ratcliffe from Dubai.
Tuesday, 8:17 pm
The new government in Afghanistan says it wants to make it easier to do business in the country - but will things change?
Monday, 9:19 pm
A former convict turned entrepreneur is looking to give other ex-offenders in Singapore a new lease on life through his restaurant chain Eighteen Chefs.
2:28 pm (9 hours ago)
Bournemouth chairman Jeff Mostyn says the club are looking to expand the Goldsands Stadium to 18,000.
Thursday, 7:41 pm
The head of Fifa's Audit and Compliance Committee is to evaluate reports into alleged World Cup corruption.
Tuesday, 12:47 pm
Ofcom opens an investigation into how the Premier League sells live TV media rights for its football matches following a complaint from Virgin Media.
Friday, 5:29 pm
How Olympic athlete and world record holder Haile Gebrselassie has become a property mogul and leading investor in Ethiopia.
Friday, 4:00 pm
Chief executive Rahul Batra explains his ambitions for the Burmese search engine Bindez.
Friday, 6:18 pm
The chairman and co-founder of Twitter is in London for the global launch of his new company 'Square'.
Friday, 12:45 pm
The e-commerce industry in India is accelerating rapidly, but some worry the supply chain may not keep up with demand.
Friday, 12:37 pm
The BBC's Lerato Mbele meets the Ethiopian farmers trying to find their place in the local and regional economy.
Friday, 12:32 pm
Ethiopia is experiencing a property and infrastructure boom, as Roderick Macleod reports from Addis Ababa.
Friday, 1:59 am
Myanmar, formerly known as Burma, is attracting increasing amounts of foreign investment but is hoping to win more with a message of cheap and plentiful labour.
Friday, 1:56 am
The Philippines economy is performing well but challenges remain. The country's president tells us his plans to tackle red tape in the business environment and poverty.
Friday, 10:00 pm
Are 0% interest credit card deals a good idea?
Friday, 10:00 pm
Haile Gebrselassie on his move from athletics to the boardroom
Friday, 12:32 am
The mammoth corruption scandal surrounding Brazil's oil colossus Petrobras
Thursday, 12:21 pm
What are the root causes of F1's financial troubles?
Friday, 12:29 am
Space agency plans Mars mission with plastic bricks
Friday, 12:34 am
How crowd investment platforms are shaking up start-up land
Thursday, 8:22 pm
China's growing demand for Turkmenistan's gas
Wednesday, 7:51 pm
How McDonald's changed its menu to succeed in India
Thursday, 12:07 am
Are child labour laws a step back for advancing Bolivia?

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