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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

4:57 pm (an hour ago)
The FTSE 100 has fallen 2.4%, with US and European markets also posting sharp declines amid continued anxiety about the state of the global economy.
1:59 pm (5 hours ago)
Google's UK chief defends the search giant's tax arrangements in a hearing before MPs on the Commons Public Accounts Committee.
1:53 pm (5 hours ago)
British Gas and EDF Energy announce they are cutting their gas prices, the last of the big six energy suppliers to do so.
4:58 pm (an hour ago)
Morgan Stanley will pay $3.2bn (£2.2bn) to US authorities to settle claims that it misled investors about risky mortgage bonds sold before the financial crisis.
1:00 pm (6 hours ago)
Most grocery shoppers are unable to identify the cheapest deals when faced with a blizzard of "special offers" in stores, financial experts say.
2:01 pm (5 hours ago)
The boss of the airline Lufthansa, Carsten Spohr, has told the BBC that there was nothing that Lufthansa could have done to prevent the Germanwings crash last year.
12:30 pm (6 hours ago)
Manchester United are on track to become the first British club to earn more than £500m in one year despite lack of success.
12:10 am (19 hours ago)
Surveyors are witnessing a surge of demand from buy-to-let investors which they expect to push up house prices.
8:50 am (10 hours ago)
Rio Tinto reports a slump in net profits and drops its progressive dividend policy, hit by the fall in commodity prices.
1:44 pm (5 hours ago)
Johnston Press confirms it is in advanced talks to buy the cut-price national daily newspaper - the i - for about £24m.
8:10 am (11 hours ago)
French oil major Total reports a 20% increase in annual net profit to $5.1bn, compared with $4.2bn a year earlier.
8:26 am (11 hours ago)
Comments by a Facebook board member could put Mark Zuckerberg's global plans on the back foot.
Yesterday 7:42 pm (23 hours ago)
Burger King announces that hot dogs will be the newest addition to its menus in the US.
2:10 pm (5 hours ago)
British Gas has become the last of the big six energy providers to announce a cut to prices.
1:35 pm (5 hours ago)
Why millions of UK adults are going back to school. For some, it's an opportunity to learn a new skill, for others it's an avenue back into the world of work.
12:35 pm (6 hours ago)
Google's UK head, Matt Brittin, is asked about his salary as he appeared before the Public Accounts Committee.
11:21 am (8 hours ago)
Two brothers who swapped oil and gas for a life as rum distillers say they want to put Scotland on the global rum map.
11:24 am (8 hours ago)
The BBC's economics correspondent, Andy Verity, explains what a coco bond is.
Yesterday, 12:54 pm
Germany has Europe's lowest rates of youth unemployment, partly because of its traditional apprenticeship system, which allows young Germans who don't go to university to train and qualify in companies.
Yesterday, 1:21 am
Hong Kong's Chan Cheuk Ming has kept his eatery going through hard times, feeding people who cannot pay.
Yesterday, 12:03 am
Hedge funds are increasingly turning to artificial intelligence in order to spot trends to try to make money for their customers
1:47 pm (5 hours ago)
Is it becoming harder for international firms to avoid tax?
12:01 am (19 hours ago)
The young entrepreneurs helping to rebuild their country
Yesterday, 12:06 am
How Iceland cleaned up its banks
Yesterday, 12:12 am
Norway seeks to diversify its economy as oil earnings plunge
Yesterday, 10:57 am
Migrant children 'may be the highest achievers'
Tuesday, 8:35 am
Why expats are handing back their passports
Tuesday, 12:03 am
How easy is it for authors to self-publish?
Tuesday, 12:05 am
Will not criticising make you a better boss?

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