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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

4:56 pm (an hour ago)
Irish airline Aer Lingus is set to approve a takeover bid by British Airways owner IAG, the BBC understands.
4:03 pm (2 hours ago)
India and the US announce a breakthrough on a deal for supplying civilian nuclear technology, on the first day of President Barack Obama's visit.
Yesterday, 1:10 pm
The president of Goldman Sachs says Britain should stay in the EU to ensure London remains a "great financial capital of the world".
Yesterday, 3:34 pm
A top official at the European Central Bank warns that unemployment and low growth are undermining the European Union.
Yesterday, 4:37 pm
A leading pensions expert says the government's new pension advice service will not be properly staffed by the launch date of 6 April.
Yesterday, 5:39 pm
Ukraine's new finance minister Natalie Jaresko says a proposed bailout package from the International Monetary Fund will be "sufficient to rebuild credibility" in the country's economy.
Friday, 9:29 pm
Danish currency trading specialist said it could afford to absorb losses if customers failed to meet their obligations
Friday, 6:12 pm
Asia's richest person Li Ka-shing confirms his company is offering to buy Britain's second-largest mobile provider O2 for up to £10.25bn ($15.4bn).
Friday, 4:09 pm
The amount of tax paid by some technology firms is "very small" relative to their returns, the governor of the Bank of England says.
Friday, 6:07 pm
Blue-chip index posts biggest weekly gain since 2011 in the wake of ECB stimulus and a £10bn takeover offer for O2.
Friday, 3:37 pm
Tech giant Apple's chief executive Tim Cook's base salary was increased by nearly 43% in February last year, according to the company.
Friday, 6:51 pm
Investors respond to Mario Draghi's plan to revive flagging eurozone economies by selling the euro, pushing sterling to a seven-year high.
Friday, 2:19 pm
BBC economics correspondent, Andrew Walker, with his assessment of what a new ruler in Saudi Arabia will mean for oil policy.
Friday, 2:27 pm
Energy firms are being accused of "token price cuts" and failing to pass on larger savings to their customers.
Friday, 10:27 am
Coalition austerity changes to taxes and benefits have cost the average UK household £489 a year, according to the Institute for Fiscal Studies.
Friday, 10:31 am
Car plants in the UK produced more than 1.5 million vehicles last year, the most since 2007, according to the Society of Motor Manufacturers and Traders.
Friday, 11:10 am
For some shops, UK retail sales in December may have been hit by Black Friday sales in November, ONS says.
Friday, 5:10 pm
The influential 172-year-old publication sells 1.6m print copies a week
Wednesday, 7:35 pm
Tootsie Roll chief executive Melvin Gordon dies at the age of 95 after leading the US confectionery firm for more than five decades.
Thursday, 1:23 pm
Consumer borrowing hit a near seven-year high in November, mainly as a result of new car sales, Bank of England figures show.
Thursday, 12:06 pm
Royal Mail says it delivered 120 million parcels during December, a rise of 4% on a year earlier.
Wednesday, 1:21 pm
The Royal Mint is to produce gold and silver bars under its "refinery" brand, last used nearly 50 years ago.
Friday, 3:34 am
Growth in South Korea - Asia's fourth largest economy - fell to a six year low in the fourth quarter of last year, latest figures show.
Friday, 5:28 am
Activity in China's vast manufacturing sector contracted for the second consecutive month, according to a preliminary survey on Friday.
Friday, 11:29 am
A key survey of eurozone business activity reached a five month high in January, but firms are cutting prices at their fastest rate in five years.
Sunday, January 18th, 11:39 pm
How UK entrepreneur Emily Brooke was inspired to develop a new bicycle light, the Blaze Laserlight, which as the name suggests, projects a laser onto the road.
Wednesday, January 14th, 9:17 pm
Since the Fukushima nuclear disaster of 2011, sales of sake from the region have plummeted, with radiation fears putting off Japanese consumers and China banning their import.
Monday, January 12th, 12:18 am
After her mother died when she was 17, Hala Moddelmog vowed to succeed in life, going on to lead two of the largest US fast-food firms.
Thursday, 12:11 am
Real Madrid again tops the Deloitte football money league, but English Premier League clubs take eight of the top 20 spots.
Thursday, 12:22 pm
The head of the International Olympic Committee says any country bidding to host the Games must make a commitment to "non-discrimination".
Wednesday, 6:47 pm
Dave King insists his tax history in South Africa will not preclude him from becoming a director of Rangers.
Yesterday, 4:44 am
SkyMall, the catalogue found on most US airlines and popular for selling quirky products like garden gnomes and "orbit wheels", has filed for bankruptcy.
Friday, 9:14 am
BBC Breakfast asks members of the public whose face they would like to see on Bank of England notes.
Friday, 3:50 pm
The governor of the Bank of England welcomes the European Central Bank's decision to roll-out a €1.1 trillion (£834bn) stimulus package.
Friday, 3:34 am
Climate change poses huge potential risks to global economies and will be high on the agenda at Davos.
Friday, 1:47 pm
Chancellor George Osborne has rejected claims that "major tax rises" are needed to fund the UK's public services.
Friday, 2:48 pm
With 20 privately-owned television stations and over 370 radio stations, Kenya's media industry is vibrant but not necessarily lucrative.
Friday, 3:10 pm
Founder of Yarona FM, Percy Raditladi, talks about the rise of the radio station and its plans for the future.
Friday, 1:12 pm
India is one of the top three target markets for US franchises looking to expand.
Yesterday, 12:00 am
The young entrepreneur tackling the 'skills gap'
Wednesday, 8:49 pm
Queues, snowmen and CEOs
Friday, 10:30 pm
Can things get any worse for beleaguered savers?
Friday, 4:40 pm
Li Ka-shing: The man who wants to add O2 to Three
Friday, 12:00 am
The business of taking back embarrassing messages
Friday, 12:01 am
Have women tennis players smashed the gender pay gap?
Thursday, 8:17 pm
Swiss fear long hangover as ECB injects cash
Friday, 12:06 am
Why Ellen MacArthur is still going around in circles
Thursday, 11:56 am
What exactly is it and how does it work?
Wednesday, 6:18 pm
Why Mr Cameron is targeting employment
Thursday, 12:03 am
Cyber attacks worry Davos elites
Friday, 2:16 pm
Are chief executives human enough?
Thursday, 12:01 am
Helping Brazil's tribal groups make the most from tourism

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