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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

12:00 am (8 hours ago)
The proposed high-speed rail link between Birmingham and Crewe will be opened six years earlier than planned, in 2027, Chancellor George Osborne says.
Yesterday 1:38 pm (18 hours ago)
The International Monetary Fund is expected to announce on Monday that China's currency, the yuan, will join the fund's select group of international reserve currencies.
12:40 am (7 hours ago)
A tax on sugary drinks should be introduced as part of a "bold and urgent" set of measures to tackle child obesity in England, MPs say.
7:41 am (14 minutes ago)
Shares in China remain under pressure after falling by more than 5% on Friday when it was revealed that the country's top brokerages were under investigation.
Yesterday 7:02 pm (13 hours ago)
The newest member of the Bank of England's Monetary Policy Committee says growth and wages are the things that will persuade him it is time for an interest rate rise.
Yesterday, 2:39 am
Hundreds of solar power jobs have been lost owing to planned cuts to subsidies, according to a survey that suggests thousands more jobs could be at risk industry-wide.
Yesterday 11:31 am (20 hours ago)
Iran overhauls the way in which it offers contracts to foreign energy companies in a bid to attract up to $30bn of new investment.
Yesterday 1:54 pm (18 hours ago)
Mining giant BHP is bracing for a $5.2bn lawsuit from Brazil's government over the devastating collapse at the Samarco mine.
Yesterday 11:40 am (20 hours ago)
German airline Lufthansa strikes pay deal with 30,000 ground staff as it looks to avoid further strikes.
Saturday, November 28th, 1:48 pm
A further 333 jobs are saved at steel company Caparo, administrators PwC announce.
Saturday, November 28th, 12:12 am
Interest of up to 4% will be paid on new Help to Buy Isas - accounts aimed at helping potential property buyers save for a deposit.
Saturday, November 28th, 1:12 pm
Online retailer Amazon says it has its biggest sales day ever in the UK as shoppers rush to buy bargains on Black Friday.
Monday, November 16th, 2:02 pm
Victoria Alonsoperez on how an outbreak of mad cow disease when she was a teenager inspired her latest venture.
Monday, November 16th, 11:18 am
Restaurant founder Xian Xu on the importance of finding the right partner to build her business with.
12:00 am (8 hours ago)
As leaders gather for the Paris Climate Change summit, Charlotte Glennie reports on China's most-polluted city.
12:06 am (8 hours ago)
With China's slowdown, India is now the fast growing large economy in the world, but its growth is marred with challenges.
Monday, November 16th, 3:37 pm
The art app creator talks about what it felt like the first time she saw a stranger using her app in a museum.
Monday, November 16th, 3:47 pm
The award winning spa owner on how being a woman has helped her establish her beauty business
Monday, November 16th, 10:59 am
Michelle Sun, 28, the founder of First Code Academy on how she made the leap from investment banking to starting her own business
Monday, November 16th, 3:29 pm
The founder of an online marketplace for elderly care discusses how how her experience with her grandmother inspired the business.
12:03 am (8 hours ago)
Unpicking the numbers
12:04 am (8 hours ago)
The woman who built a coffee empire
Saturday, November 28th, 2:35 am
Is there an economic case for tackling climate change?
Saturday, November 28th, 12:12 am
How the government will boost your savings to help buy a home
Friday, November 27th, 10:01 pm
Why Wasps rugby club is buzzing again
Friday, November 27th, 12:25 am
It's a love-hate relationship
Friday, November 27th, 12:28 am
Do social media apps in the office spell the end for work emails?
Friday, November 27th, 12:27 am
Power cuts are seriously affecting many of Zambia's businesses
Thursday, November 26th, 12:09 am
Should the UK choose between the EU and the Commonwealth?


An investigation found an explosion resulted from a screw connection to an autoclave locking ring which secured a door to a machine.


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


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.


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.


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.


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.


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.


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