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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

1:38 pm (7 hours ago)
Theresa May is to shake up technical education as part of a post-Brexit UK industrial strategy.
4:23 am (16 hours ago)
The time new cars are allowed on the road before being tested could rise under government proposals.
6:01 am (14 hours ago)
Ex Co-op Bank chairman Paul Flowers says he still struggles with addiction, three years after a drugs sting.
Yesterday, 12:13 am
Personal and financial data is being sold for as little as 4p an item, according to Which?
Friday, 4:00 pm
Broadband costs will rise by between 5% and 6% while free BT Sport is to end for TV customers.
Friday, 4:45 pm
Former chancellor George Osborne is hired to advise the world's largest fund manager, BlackRock.
Friday, 11:26 am
Retail sales in December saw the biggest monthly fall for more than four and a half years.
Friday, 10:16 pm
German firms are told they will pay a "high price" if the EU makes life hard for the UK over Brexit.
Friday, 11:17 am
HSBC will compensate thousands of shoppers who were overcharged when they fell behind with debt payments.
Friday, 10:08 am
The drop in the number of Britons moving house was partly due to rising prices, Lloyds Bank says.
Friday, 3:00 pm
The chancellor says Brexit uncertainty may delay some investment, but the pound's fall is attracting foreign firms.
Friday, 9:45 am
Hedge fund billionaire Ray Dalio says Trump is good for business, but worries about the populist tide.
Friday, 12:02 am
Former MP sparks Twitter debate over the fairies and footballers stereotypes on Waitrose's greetings cards.
Friday, 9:08 am
Heineken says it is in negotiations with Japanese group Kirin to buy its Brazilian beer business.
Friday, 1:36 pm
A company is needed to take on a £2.75bn contract to build 60 high speed trains.
Friday, 5:18 pm
News of a sharp fall in UK retail sales last month hits the value of the pound, while the FTSE 100 ends slightly lower.
Friday, 8:46 am
The figure meets Beijing's forecasts, but some say growth is slower than the official data suggests.
Thursday, 6:35 pm
The future of thousands of free cash machines is in doubt as bankers demand a cut in the cost of running the Link network.
Friday, 2:40 pm
Chancellor Philip Hammond says the UK's relationship with the Trump administration will "prosper", but he warns against short-term thinking.
Thursday, 5:57 pm
Prime Minister Theresa May has had "very good, positive discussions" with big banks about how they might be encouraged to stay in the the City of London.
Friday, 10:47 am
Proposed tax incentives could encourage some US companies to leave Ireland and return home.
Thursday, 3:12 pm
A group of Swiss teens has been invited to take a virtual reality challenge at the World Economic Forum in Davos.
Friday, 12:23 pm
Adenike Ogunlesi found an exciting market for kids' clothing through her fashion label Ruff 'n' Tumble.
Thursday, 8:54 am
Jes Staley, chief executive of Barclays, says the UK will continue to be the "financial lungs" of Europe even after it leaves the EU.
Thursday, 8:33 pm
Monte dei Paschi bailout 'not an EU fudge' says Eurogroup President Jeroen Dijsselbloem.
Thursday, 10:47 am
When Donald Trump met Mark Lobel at his golf course in the Dubai desert, was he already planning to be president?
Friday, 5:03 pm
Fox's Biscuits could be bought for £350m after owner confirms takeover approach.
Thursday, 11:16 am
Sir Paul McCartney takes legal action against Sony over who controls The Beatles' back catalogue.
12:54 am (19 hours ago)
If the UK and the EU are going to have a trade agreement, it is best to get as many sectors covered as possible to reduce the chances of a WTO challenge.
Friday, 12:23 pm
Donald Trump's hand-picked policy advisers have indicated that some of his most controversial campaign promises may never be fully implemented.
1:25 am (19 hours ago)
CEO Secrets asks four founders what it's like to turn a small company into a huge one.
Friday, 10:10 pm
Bankruptcy is now available online rather than in court. Is this the end of the stigma?
Friday, 9:54 pm
A Davos cocktail party may not, at first, seem like the ideal place to teach people to understand those with whom they disagree, but that's what some academics are doing.
Friday, 12:10 am
Lebanon's capital Beirut has had a troubled past, but it's now becoming the Middle East's tech hub.
Friday, 2:29 am
China GDP: A compilation of Chinese whispers?
Thursday, 12:07 am
The vegan aiming to make the perfect meatless burger to please even "the hardcore meat lover".
Thursday, 12:10 am
A growing number of snake farms are being set up in Kenya to attract paying visitors and breed snakes for export to Europe and North America.
Thursday, 9:58 am
It's not just a courgette crisis - supplies of tomatoes, lettuce and more are hit by Europe's big freeze.
Wednesday, 1:44 pm
The Yiwu-to-Barking express is the newest way to send your freight from China to Europe.
Wednesday, 12:14 am
Free trade has been a dominant part of the post-WW2 global economy, but it is now being challenged.
Wednesday, 3:37 pm
Internet entrepreneur Charles Chen Yidan is going to award $8m per year to education projects.
Tuesday, 4:33 pm
Theresa May says she wants an agreement with the customs union but not full membership.
Wednesday, 8:06 am
BBC Economics Correspondent Andrew Walker answers your questions on Theresa May's Brexit speech.
Tuesday, 9:16 am
Could experts at Davos find the right formula to shaping urban policies that will create progressive cities?
Thursday, January 12th, 12:01 am
Everyone loves getting something for free, but why do firms continue to give out freebies, what is in it for them, and who do they target?
Tuesday, January 10th, 11:58 pm
New York has launched one of the biggest schemes in the world to abolish tuition fees for students.
Tuesday, January 10th, 11:53 pm
Why we should take a nap to help us stay alert at work, and why managers need to rethink their attitude to staff sleeping in the office.
Wednesday, January 11th, 12:11 am
How will we get to work in the future, and what is being done now to ease congestion in our cities?
Tuesday, January 10th, 12:21 am
Renting a car from neighbours makes environmental and economic sense. Can tech take it mainstream?

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