PRIVATE CLIENT

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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

5:10 pm (37 minutes ago)
Marks and Spencer's new boss unveils plans to revive the retailer's clothing and homeware business, but warns the changes will hit profits.
3:59 pm (an hour ago)
Thomas Cook cabin crew have voted by three-to-one in favour of industrial action in a row over health and safety, Unite union says.
5:11 pm (36 minutes ago)
A clothing firm which supplied BHS has gone out of business, blaming the collapse of the high street store.
4:51 pm (56 minutes ago)
Tata Steel is still in the process of considering bids for its UK operations, the company says.
12:05 am (18 hours ago)
Taxpayers who were forced to wait for up to an hour when phoning HM Revenue and Customs lost the equivalent of £97m last year, NAO says.
12:40 pm (5 hours ago)
Royal Dutch Shell is to cut at least another 2,200 jobs, in addition to 10,000 announced earlier this year.
3:20 pm (2 hours ago)
Microsoft reveals plans to cut up to 1,850 jobs as part of efforts to scale back its smartphone business.
10:47 am (7 hours ago)
The UK's five top model agencies are accused of collusion and price fixing by the competition regulator.
9:38 am (8 hours ago)
Greece agrees a deal to get further funds from its international creditors as eurozone finance ministers hail a "breakthrough".
4:37 pm (an hour ago)
Chinese e-commerce giant Alibaba is being investigated by US regulators over its accounting practices.
11:49 am (6 hours ago)
Homeowners could be offered the option of switching their mortgage supplier within a week, under plans being considered by the government.
12:02 pm (6 hours ago)
The Institute for Fiscal Studies says leaving the EU could lead to more austerity - but Vote Leave calls the think tank "a propaganda arm" of Brussels.
5:06 pm (41 minutes ago)
Banking shares help to lift the FTSE 100, but shares in M&S drop after the retailer says its turnaround plan is set to hit profits.
1:22 pm (4 hours ago)
Apple supplier Foxconn replaces 60,000 factory workers with robots, according to Chinese media reports.
4:46 pm (an hour ago)
The board of the Tata Steel has confirmed that there is still no decision about which bidders have made the shortlist to take over its UK operations.
1:33 pm (4 hours ago)
Jeremy Corbyn joins steel workers marching through London to highlight the crisis facing the British steel industry.
2:23 pm (3 hours ago)
Despite pledges to cut steel production, China is reopening some of its mills.
9:08 am (9 hours ago)
What do women want from High Street stalwart Marks and Spencer?
9:01 am (9 hours ago)
Marks and Spencer chief executive Steve Rowe says he has a plan in place to recover sales in the clothing and home sections.
8:35 am (9 hours ago)
Twitter has introduced changes in the hope of regaining popularity, but progress takes time, chief executive Jack Dorsey tells the BBC.
4:17 am (13 hours ago)
Some of the world's biggest tobacco companies are buying their products from farms that employ child workers.
1:02 am (17 hours ago)
The French government is facing widespread protests to proposed changes to labour laws.
1:43 pm (4 hours ago)
Will Greece's latest debt deal really change anything?
3:32 pm (2 hours ago)
Who is bidding for the beleaguered brand?
Yesterday, 12:10 am
From High Street dominance to troubles with fast fashion
12:23 am (17 hours ago)
The next Pisa tests will check 'global skills'
Yesterday, 12:19 am
How virtual reality is changing the way we work
Yesterday, 12:23 am
The start-up aiming to beat the traffic in Indonesia
Monday, 4:51 pm
Will paying with contactless cards make us fat?
Monday, 8:34 am
Who is interested and what will they bring to the table?
Sunday, May 22nd, 10:01 pm
The divorced couple who built a global shoe company

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