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

4:51 pm (an hour ago)
The government's surprise announcement to delay a final decision on Hinkley Point has left the Chinese company investing in it 'bemused' and "frustrated" according to a source.
4:02 pm (3 hours ago)
The US economy grew at an annual pace of 1.2% in the second quarter, far below expectations of 2.6%, but consumer spending rose at its fastest pace since 2014
5:30 pm (an hour ago)
Brewing giant SABMiller recommends that shareholders should accept the revised takeover offer from rival AB InBev.
10:52 am (8 hours ago)
High-profile London estate agency Foxtons has announced a 42% fall in profits, blaming uncertainty around the EU referendum for the fall.
11:41 am (7 hours ago)
Eurozone GDP growth slowed to 0.3% in the second quarter of the year as the bloc's second-largest economy, France, stagnated.
9:25 am (9 hours ago)
Barclays sets aside an additional £400m to compensate customers mis-sold PPI as profits during the first half of the year fall 21%.
2:08 pm (5 hours ago)
Three former bank executives in the Republic of Ireland are jailed for their part in a 7.2bn euro (£6bn) conspiracy.
11:08 am (8 hours ago)
Strong earnings from Amazon and a boost to the company's stock make its founder, Jeff Bezos, the world's third richest person, according to Forbes.
9:17 am (9 hours ago)
Airline group IAG, the owner of British Airways and Iberia, says currency movements cost it €148m in the latest quarter of trading, mainly due to the weak pound.
2:34 am (16 hours ago)
Quarterly revenue at Google's parent company Alphabet rises 21.3% after strong mobile advertising sales.
5:26 pm (an hour ago)
After spending much of the day behind, the London market scrapes into positive territory to close just three points ahead.
9:12 am (10 hours ago)
The Japanese yen jumped more than 2% against the US dollar after the Bank of Japan keeps rates on hold.
12:04 am (19 hours ago)
Confidence among manufacturers has slumped since the UK's vote to leave the European Union, a report indicates.
3:07 pm (4 hours ago)
The BBC's Transport correspondent Richard Westcott gets to drive one of London's new Crossrail trains.
9:25 am (9 hours ago)
Malcolm Grimston gives his analysis of the long term case for Hinkley Point
Yesterday 8:56 pm (22 hours ago)
The BBC's Simon Jack explains why we need a new nuclear power station.
10:14 am (9 hours ago)
After two of the country's largest mines were forced to close, the people of Sierra Leone have struggled to survive.
Yesterday 9:57 pm (21 hours ago)
Dozens of workers at burger chain Byron have been arrested in raids by immigration officials, dividing social media users.
1:22 pm (5 hours ago)
Despite the country's drought, some Kenyans are turning camel milk into a viable commercial business.
1:24 am (17 hours ago)
Indonesian Todung Mulya Lubis explains how he became a human rights lawyer.
9:19 am (9 hours ago)
Timelapse footage shows how the new trains for London's Crossrail project are built by Bombardier.
Yesterday, 12:10 pm
A Pokemon Go player claims to have become the first to catch all the characters available in the UK.
Yesterday, 12:25 pm
Owners of smart pet-feeding device Petnet are told to "feed their pets manually" after a server problem stopped the device from working.
5:35 pm (an hour ago)
Has the amount that bill payers would have to pay for the new Hinkley Point C risen sharply?
12:00 am (19 hours ago)
The results of European bank "stress tests" are being announced later on Friday, with the aim of establishing how well the banks could cope with a new financial shock.
12:08 am (19 hours ago)
Technology has moved on fast since the 2012 London Olympics, particularly in data analytics. But is it giving some countries an unfair advantage?
Yesterday, 12:01 am
A look at a new hostel in India, which claims to be the first in the country aimed specifically at people trying to set up their own businesses.
Yesterday, 2:10 pm
Liam Fox has been talking about the EU customs union. Why does it matter?
Wednesday, 12:05 am
There is no shortage of companies blaming Brexit for their bad news these days - from job losses to price rises - but is this just a handy excuse?
Wednesday, 4:55 pm
Labour's Owen Smith says the UK is "rapidly becoming the sick man of Europe when it comes to workers' rights". Is he right?
11:37 am (7 hours ago)
Hinkley Point: What is it and why is it important?
Wednesday, 1:03 am
Every day hundreds of thousands of Britons put their coffee cup into a recycling bin. They're wrong - those cups aren't recyclable.
Wednesday, 12:03 am
The Trans-Pacific Partnership is one of the most ambitious free trade agreements ever signed. But why does it matter?
Wednesday, 12:06 pm
There are strong social divisions in how young people use digital technology at home, according to international research from the OECD.
Tuesday, 12:13 am
Could sticking to the traditional suit at work hamper your career?
Tuesday, 12:05 am
The interconnectivity of people on social media means it is a perfect hunting ground for cybercriminals looking to do harm.
Tuesday, 12:02 am
The UK government's getting together with the retail giant Amazon, to start testing flying drones that can deliver parcels to your door.
Monday, 12:09 am
Whether your children are problems or prodigies, is it damaging to your career to talk about them too much in the workplace?
Monday, 12:13 am
How Gerry Cottle Jr went from being a trapeze artist in his dad's circus to setting up a popular rooftop cinema business.
Friday, July 22nd, 10:08 pm
What will Brexit mean for small towns in Poland that have seen their populations shrink as people left to live and work elsewhere in the EU?
Friday, July 22nd, 3:02 pm
The sister of missing Malaysia Airlines captain Zaharie Shah tells the BBC about her brother's disappearance, and why the story of MH370 must live on.
Friday, July 22nd, 12:09 am
As publishers struggle to attract eyeballs in the face of increasing competition from online content, can artificial intelligence help them?
Thursday, July 21st, 12:23 am
A look at the booming private security industry in the Central American country of Guatemala, where an average of 13 murders are committed every day.
Thursday, July 21st, 12:10 am
Three years have passed since Yahoo bought micro-blogging site Tumblr, but it is not the goldmine it once hoped.
Wednesday, July 20th, 1:24 pm
A lower cost base and partnerships with western universities is helping South Africa to develop online courses for students around the world.
Tuesday, July 19th, 1:31 am
Could F1 and aeronautical tech help Sir Ben Ainslie's 'flying' catamaran win the America's Cup?
Tuesday, July 19th, 12:10 am
Australia has been described as "the lucky country", but is it entrepreneurial spirit or abundant resources that has driven its success?
Tuesday, July 19th, 12:05 am
Google has made headlines for its forays into healthcare but what is its ultimate goal?
Tuesday, July 19th, 3:41 am
The former Chancellor George Osborne peppered media interviews with references to the "Northern Powerhouse" but what's next for the project since his departure?
Friday, July 15th, 12:02 am
Technology that makes audiences feel like they are in the movie, rather than just watching it, is helping cinemas sell more tickets at higher prices.
Monday, July 18th, 4:24 pm
ARM's technology is at the heart of millions of smartphones and tablets - but the company's inventions are used wider still.
Sunday, July 17th, 10:22 pm
A profile of Asian businessman Chatri Sityodtong who made his fortune on Wall Street before setting up fast-growing televised martial arts tournament., One Championship.
Friday, July 15th, 10:19 pm
Food, clothing and electrical items are likely to rise in price as a result of Brexit - but bills may not go up until next year
Thursday, July 14th, 4:28 pm
It's early days for Pokemon Go, but some believe the app marks a turning point in mobile video games.

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.

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