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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

4:42 am (an hour ago)
Greece misses a deadline for a €1.6bn (£1.1bn) payment to the International Monetary Fund, as eurozone ministers refuse to extend its bailout.
Yesterday 11:16 pm (7 hours ago)
The Airports Commission will back building a new runway at Heathrow but still leave the door open for an alternative at its rival Gatwick, sources tell the BBC.
1:28 am (4 hours ago)
The organisation tasked with promoting the rollout of smart meters has lost its chairman just weeks after she spoke out over how the government-led programme was being run.
Yesterday 9:20 pm (8 hours ago)
Virgin Atlantic sheds about 500 managerial and support jobs just months after the airline announced a return to profit.
Yesterday 10:59 pm (7 hours ago)
Russian gas purchases are suspended by Ukraine following a breakdown in talks aimed at keeping supplies running for the next three to six months.
4:04 am (an hour ago)
Shares in Asia were trading in positive territory as investors hoped a last-minute deal for Greece could be agreed.
12:02 am (6 hours ago)
Income needed for an "acceptable" standard of living has fallen slightly for most families compared with a year ago, social policy campaigners say.
12:03 am (6 hours ago)
Freephone numbers starting with 0800 or 0808 are now free to call from mobile phones as well as landlines.
Yesterday 5:36 pm (12 hours ago)
A US federal appeals court upholds a ruling that Apple conspired with publishers fix the prices of electronic books.
Yesterday 11:05 am (19 hours ago)
The UK economy grew by 0.4% in first quarter of 2015, revised up from a previous estimate of 0.3%, official figures show.
Yesterday 12:43 pm (17 hours ago)
After its watered down plans were attacked in March, the EU reaches a deal to end mobile data roaming charges and define net neutrality rules.
Yesterday 1:17 pm (17 hours ago)
The former boss of Thomas Cook is giving a third of her £5.7m bonus to a charity chosen by the parents of two children who died while on holiday in Corfu.
Yesterday 10:02 am (20 hours ago)
Staff should be allowed to dress down and work flexible hours during the hot spell of weather, the TUC says.
Friday, June 26th, 1:40 pm
A rare meeting between two self-driving cars resulted in one taking evasive action, Reuters reports.
2:45 am (3 hours ago)
Food trucks are a common sight in America, though not so much in Asia. In India, however, the trend is catching on.
12:29 am (5 hours ago)
To help make sense of the severity of Greece's financial position, the BBC's Dani Sinha looks at five graphs that explain the debt crisis.
12:02 am (6 hours ago)
A young designer explains how he has re-configured household objects, to make people feel happy as they use them.
Yesterday 8:39 pm (9 hours ago)
The future of the Greek economy and its existence in the eurozone will be decided over the next few days.
Yesterday 1:32 pm (16 hours ago)
How is the €60 cash cap for withdrawals affecting the smaller islands?
Yesterday, 2:59 am
KFC has opened in Myanmar. It is the country's first American fast food chain.
Yesterday 6:58 am (23 hours ago)
The BBC's Ben Bland with a guide to the key numbers and issues in the Greek debt crisis.
Yesterday, 12:05 am
A young designer based in London has developed a hand tool that he hopes can change the way craftsmen and women work.
12:01 am (6 hours ago)
Would a Grexit derail the euro?
12:02 am (6 hours ago)
Three Murdochs - all with something to prove
12:02 am (6 hours ago)
'Circademics' get serious about the meaning of circus
Yesterday, 12:11 am
Will Apple Music kill Spotify?
Yesterday, 12:19 am
Why can't we decide how to expand our airports?
Yesterday, 12:09 am
Why firms may need to start hiring scientists
Yesterday, 12:22 am
The kit recording the world's threatened cultural treasures
Monday, 10:40 pm
What Greeks really think about the debt crisis
Yesterday 9:08 am (21 hours ago)
What do British tourists need to know?

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 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