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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 or email peterb@backhouse.co.uk

11:40 am (an hour ago)
Russia's main consumer watchdog announces unscheduled checks on a number of McDonald's restaurants as part of an investigation into food standards.
11:00 am (2 hours ago)
UK retail sales rise by 2.6% in July, up just 0.1% from June, figures from Office for National Statistics show.
12:25 pm (40 minutes ago)
Anyone wanting to buy a powerful vacuum cleaner has only ten days left to be certain of getting one - following new EU rules that come in next month.
11:40 am (an hour ago)
Government finances show an unexpected deficit in July for the second year running, according to figures from the Office for National Statistics.
12:44 pm (20 minutes ago)
More than 130,000 cars were made in the UK last month, a rise of 2.8% compared with last year, according to the Society of Motor Manufacturers and Traders.
10:29 am (3 hours ago)
MPs demand details from Chancellor about possible political pressure over failed Co-op plan to buy 623 Lloyds branches.
8:35 am (4 hours ago)
Labour pledges to give a new regulator the power to remove energy firms' licences, if it wins the next election.
2:47 am (10 hours ago)
Australian winemaker Treasury Wine Estates has reported its first annual loss due to slower sales in China and oversupply in the US market.
5:34 am (8 hours ago)
US online retail giant Amazon steps up its presence in China with a strategic partnership with the Shanghai Free Trade Zone.
2:42 am (10 hours ago)
Computer giant Hewlett-Packard has reported a sharp fall in profit despite a rise in revenue helped by improved computer sales.
Yesterday 10:25 pm (15 hours ago)
US shares mostly closed higher on Wednesday despite minutes from the Federal Reserve's latest meeting suggesting it may raise interest rates earlier than expected.
Yesterday 3:57 pm (21 hours ago)
One of the most famous names in US retailing, Macy's, pays $650,000 to settle claims that it racially profiled and detained customers at its Manhattan outlet.
Yesterday, 11:19 am
Two out of nine members of the Bank of England's Monetary Policy Committee voted to raise interest rates earlier this month, the first time in three years that policymakers have done so.
Yesterday 3:58 pm (21 hours ago)
Construction firm Carillion admits defeat in its £2bn pursuit of rival Balfour Beatty after its third takeover offer was rejected.
Yesterday, 11:09 am
A total of £19.1bn is advanced to homebuyers in July, the Council of Mortgage Lenders says, amid warnings that the property market may face headwinds.
Yesterday 4:06 pm (21 hours ago)
The number of workers categorised as self-employed has risen to its highest in 40 years, according to the Office for National Statistics (ONS).
12:03 am (13 hours ago)
Data gathered by donation site JustGiving has revealed what it says is the UK's most generous town, based on donations to its website.
Yesterday, 8:51 am
Calvin Harris is still the world's top-earning DJ according to Forbes magazine.
Tuesday, 4:55 pm
Regulated rail fares in England will rise by 3.5% in January 2015, following the release of inflation figures for July.
Tuesday, 11:57 am
Complaints about payday loan middlemen - so-called credit broking websites - have more than doubled in a year, the Financial Ombudsman says.
Tuesday, 12:06 pm
Annual house price inflation was 10.2% in the year to June, driven by a 19.3% London rise, according to the Office for National Statistics.
Yesterday, 12:17 pm
An emotional President de Kirchner says proposed legislation will return control of its debt to the government.
Yesterday, 6:43 am
Exports from Japan show a surprise pick-up in July, reigniting hopes of growth for the world's third largest economy.
Tuesday, 1:09 pm
The annual rate of UK inflation rate falls more than expected in July to 1.6% as the cost of clothing, footwear, food and non-alcoholic drinks eases during the month.
Tuesday, 12:11 am
One man's quest to bring artisan beer to the island of Mauritius.
Sunday, August 17th, 8:10 pm
The BBC's Phil Mercer meets Matt Grainger, who has succeeded in combining his hobby with earning a living, by starting a surf business on Manly Beach in Sydney, Australia.
Wednesday, August 13th, 10:58 pm
The US retail market is a tough nut to crack, but there are a number of small UK firms who have managed to succeed in America.
11:38 am (an hour ago)
The 2014 Commonwealth Games athletics track at Hampden Park is to be lifted and moved to Grangemouth Stadium.
Yesterday, 12:58 pm
Cornish Pirates chairman Ian Connell appeals to his side's fans to do their part to help the club's finances.
Yesterday, 12:29 pm
Barcelona cannot sign players until 2016 once the current transfer window shuts, after Fifa reject their appeal over a ban.
12:03 am (13 hours ago)
Ebola crisis has serious financial effect on West Africa
12:03 am (13 hours ago)
Shopkeepers in Rome deal with reality of endless economic crisis
Yesterday 8:01 pm (17 hours ago)
Myanmar's young tourism bosses confident about the future
Yesterday, 12:00 am
The man who says he's responsible for a million kids
Tuesday, 2:40 pm
EU sanctions prompt Russia to turn to Swiss cheese makers
Tuesday, 12:09 am
The 62 places more expensive than London
Yesterday, 1:26 am
Why hundreds of thousands of people have left Ireland
Yesterday, 2:06 am
Food import ban begins to hit Russian shoppers
Tuesday, 8:29 pm
Why India is struggling to attract tourists

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