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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

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Craig Wright, the Australian entrepreneur who has claimed to be the inventor of Bitcoin, reneges on a promise to provide "extraordinary proof".
2:35 pm (6 hours ago)
BT Group says it plans to invest £6bn in faster broadband and mobile services but Sky says the plan has 'limited ambition'.
10:59 am (10 hours ago)
UK economic growth is "near stalling", partly due to uncertainty over the EU referendum, according to a closely-watched survey.
1:52 pm (7 hours ago)
Airbnb's chief technology officer says the company is looking at pairing guests and hosts for activities.
12:58 pm (8 hours ago)
Fraudsters are impersonating homeowners who have recently died or solicitors in order to steal money in mortgage transactions.
2:12 pm (7 hours ago)
The world's biggest e-commerce company Alibaba reports a 193% jump in annual profits as sales on mobile devices jump.
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Morrisons supermarket reports a second quarter of rising sales as it continues to cut costs and prices.
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The editor of the New Day says her team "tried everything" to make a success of the newspaper but low sales were to blame for its demise, just nine weeks after it was launched.
10:49 am (10 hours ago)
Zimbabwe is set to print its own version of the US dollar in order to ease severe cash shortages in the country.
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Another £450m is set aside to compensate Clydesdale Bank customers for mis-sold payment protection insurance (PPI).
4:57 pm (4 hours ago)
The FTSE 100 closed flat, but British Gas owner Centrica sank 10% after it announced plans to raise more capital through a share sale.
Yesterday, 6:10 pm
The European Central Bank says it will no longer produce the €500 note because of concerns that it could help facilitate illegal activities.
Yesterday, 8:27 pm
Apple has been forced to share the iPhone name in China, but which other US brands have had similar problems in the country?
Yesterday, 6:52 am
Fashion in the age of technology is being celebrated at the Metropolitan Museum of Art's Costume Institute exhibition.
12:09 am (21 hours ago)
Strong demand, especially from China, has helped ramp up the price of the ornamental resin amber, making it worth more than its weight in gold - some fear an investment bubble.
Yesterday, 12:42 am
The air quality in Mexico City dropped to its worst level in 14 years this March. The BBC looks at some of the solutions for dealing with air pollution.
Tuesday, 12:21 am
Can Sendy take on the giants of delivery in Nairobi with the sharing economy?
Yesterday, 1:43 am
Money being spent on next week's general election in the Philippines is so huge it is likely to provide an economic boost.
Tuesday, 12:07 pm
Independent property expert Louisa Fletcher says she can only see the "Bank of Mum and Dad" growing, but has a warning for parents.
Monday, 7:59 am
Australian entrepreneur Craig Wright says he is Bitcoin creator Satoshi Nakamoto.
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The mending craze gripping New York
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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