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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

7:03 am (an hour ago)
Removing all trade tariffs would be "economically superior", pro-Brexit economists argue.
Friday, 10:27 pm
By contrast, four in ten UK adults have no property wealth at all, the Resolution Foundation says.
Friday, 10:34 pm
Staff at two UK outlets vote for action over secure working hours and a £10 per hour wage.
1:40 am (7 hours ago)
The government is cracking down after 3,000 savers were conned out of an average of £15,000 each.
Friday, 11:34 am
The numbers visiting from overseas increased by 7% in June but British residents' trips abroad also rose.
Friday, 11:01 am
Nestle's marketing mimics the 1970s Atari computer game Breakout, a court case alleges.
Friday, 7:22 pm
White House adviser Steve Bannon, a right-wing nationalist, is leaving the White House.
Friday, 11:09 am
A digital rights group criticises action taken by Google, GoDaddy and Cloudflare against the Daily Stormer.
Friday, 12:04 am
West Sussex offers the best quality of life in retirement, according to new research.
Friday, 4:07 pm
The RMT said no progress had been made over the future of the role of guards, due to safety and job loss fears.
Friday, 12:58 am
The president is dropping plans for the business panel after ending two other advisory groups.
Friday, 9:13 am
UK food and drink exports rise to £10.2bn in the first half of the year, the largest value on record.
Friday, 8:42 am
The brewer avoids an in-depth investigation of its takeover of Punch by offering to sell off some pubs.
Friday, 9:37 am
Vishal Sikka says the "continuous drumbeat of distractions" contributed to his decision to resign.
Friday, 1:10 pm
Shares in airlines fall as investors worry about the impact of the Barcelona terror attack on tourism.
Friday, 7:37 am
Chinese e-commerce giant posts bumper profit but earnings are down for US big box retailer.
Thursday, 1:02 pm
Sir Philip Green shakes up Topshop management in a bid to revive his ailing retail empire.
Thursday, 5:17 pm
The UK's two biggest home improvement chains, B&Q and Homebase, have both reported a fall in sales.
Thursday, 1:57 pm
The Walmart-owned supermarket reports its first quarterly like-for-like sales growth since 2014.
Friday, 1:05 am
The BBC's Aaron Heslehurst explains how the microwave oven became a million dollar idea.
Friday, 2:44 pm
Will the South African government's attempt at redressing inequalities in the mining industry actually destroy it?
Friday, 11:41 am
To satisfy a growing demand, a company in South Africa is extracting, bottling and selling sea water.
Wednesday, 7:45 pm
The phone streams video from its front and rear cameras at the same time to Facebook or YouTube .
Wednesday, 5:32 pm
Stuart Gardner, the boss of British motorbike maker Norton, says that a shortage of skilled employees is holding his firm back.
Tuesday, 12:04 am
With people living longer and saving less, are we living through the death of retirement?
Tuesday, 12:13 am
Among the millions affected by India's partition were people with businesses they had run for decades.
Monday, 2:39 pm
What has become of India's and Pakistan's economies, 70 years after independence from Britain and partition?
Friday, 9:55 am
Is it real or is it fake? The fans don't care in the US, and the WWE hopes they won't in China.
Wednesday, 11:19 am
Nestle is launching a new version of the Walnut Whip - but without the famous nut on its peak.
Friday, 10:25 pm
Only 4% of the UK's adult population - and more women than men - now use a pawnbroker to get a loan.
Friday, 10:19 pm
The average UK shoe size of men and women has gone up by two sizes since the 1970s - but women's footwear makers have not kept up.
Friday, 10:30 am
The UK's tourism industry reports a big rise in visitor numbers, helped by the weaker pound making the country a more affordable place to holiday.
Friday, 1:02 am
Weak defences are leaving cargo vessels vulnerable to cyber-attacks, say experts.
Friday, 12:58 am
Can contactless technologies help charities raise more money?
Thursday, 12:23 am
China's ban on names such as "scared of wife" or "prehistoric powers" comes after a crackdown on what Beijing regards as strange buildings.
Thursday, 12:27 am
Exploring the small and medium-sized firms that are the backbone of Germany's economy.
Wednesday, 12:00 am
Why passing away has done little to deaden the commercial appeal of musical legends like Elvis and their entrepreneurial super fans.
Wednesday, 12:00 am
Hit TV shows are now bought and adapted for different countries around the world in an industry worth billions.
Tuesday, 12:00 am
Why hi-resolution sites are music to the ears of fans who want the best possible sound.
Tuesday, 12:00 am
Entrepreneur Lapo Elkann explains how his firm is enticing the rich by customising cars, yachts and private jets.
Monday, 12:03 am
These "cathedrals of commerce" were democratic spaces that, some say, helped emancipate women.
Monday, 12:06 am
How Giles Fuchs went from failing his A-levels to becoming a very wealthy property and offices boss.
Monday, 4:13 pm
In August, Canada, the US and Mexico will sit down to begin to renegotiate Nafta.
Friday, August 11th, 9:58 pm
How travel companies are trying hard to target the lucrative "selfie-generation".
Friday, August 11th, 9:59 pm
A smartphone app can tell you whether Japanese knotweed is anywhere near where you live.
Friday, August 11th, 5:14 pm
It has often been written off - but sales suggest bag-in-box wine is surging in popularity.
Friday, August 11th, 12:52 am
Businesses in Manchester have been impacted by a fall in visitor numbers in the aftermath of the bomb attack in May, but they are optimistic of a full recovery.
Thursday, August 10th, 12:51 am
Can the world's most popular mixed martial arts brand finally succeed in conquering the continent?
Thursday, August 10th, 12:20 am
The number of ice cream vans has been falling, but a crop of firms are determined to keep the industry alive.

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 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