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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

3:50 pm (4 hours ago)
Russia's former finance minister warns the country is entering a "full blown economic crisis" and will enter recession next year.
2:42 pm (5 hours ago)
Hundreds of online supermarket shoppers have been experiencing frustrating technical problems amid the rush for Christmas.
4:55 pm (3 hours ago)
Alstom agree to pay $772m in criminal penalties to settle charges with the US Department of Justice.
12:27 pm (7 hours ago)
The Financial Reporting Council announces an inquiry into Tesco's accounts for 2012, 2013 and 2014 following the £250m mis-statement of its profits.
12:54 pm (7 hours ago)
Chancellor George Osborne confirms that the rigging of foreign exchange rates and other financial benchmarks will become a criminal offence.
8:29 am (11 hours ago)
Bigger pay rises may be on offer in the coming year, according to Martin Weale, a member of the Bank of England's interest rate setting committee.
11:54 am (8 hours ago)
Planned two-day strike by ground handling staff at Heathrow, Gatwick and Manchester airports is suspended after a new pay offer.
2:15 am (18 hours ago)
Senior workers in London's financial services sector are expecting an average 21% rise in their bonus payouts for this year, a survey found.
10:51 am (9 hours ago)
The Pensions Regulator tells Guinness Peat Group it should pay more money into the pension scheme of the Coats textile company to pay off its deficit.
7:49 am (12 hours ago)
Home improvements retailer Kingfisher will sell a controlling stake in B&Q China to Wumei Holdings in a cash deal estimated to be worth £140m
Yesterday 8:54 pm (23 hours ago)
Oil-rich Gulf states vow not to cut crude production, blaming speculators and producers outside the Opec group for falling prices.
12:04 am (20 hours ago)
The Financial Ombudsman Service says it received 2,200 complaints about gadget warranties last year, double that of the previous year.
6:09 pm (an hour ago)
The FTSE 100 rises as energy shares are boosted by rising oil prices and comments from the Saudi petroleum minister.
3:11 am (17 hours ago)
Asia's fourth largest economy, South Korea, cuts its growth forecast for this year and next as consumer and business sentiment weakens.
Saturday, December 20th, 12:39 am
Details are revealed of a network which attempted to defraud thousands of customers of the online travel agent Booking.com.
Friday, December 19th, 5:36 pm
The chief executive of Renault Nissan says manufacturers in Russia are facing a "bloodbath" because of the plunge in the value of the rouble.
Friday, December 19th, 5:54 pm
Special coins issued by Zimbabwe's central bank go into circulation in the run-up to Christmas, to help shoppers who usually get change in sweets.
Friday, December 19th, 12:04 am
Lord Sugar's adviser on The Apprentice Nick Hewer announces he is to leave the BBC One show after a decade.
Saturday, December 20th, 11:44 am
Unemployed over-50s will be offered "career reviews" and help using computers as part of plans to get more people in that age group into work.
Friday, December 19th, 7:40 am
Substantial numbers of disabled people are missing out on government support to help them into work, a group of MPs say.
Friday, December 19th, 5:48 pm
Power generation firms are to receive close to £1bn to ensure their plants stay open and prevent the lights going out in the coming years.
Yesterday, 6:52 pm
A plan for a summit to look at the challenges facing the North Sea oil industry is announced by Aberdeen City Council.
Yesterday, 12:21 pm
Former Business Secretary Lord Mandelson says Labour's shadow cabinet has to "play as a team" and be up front about public spending cuts.
Friday, December 19th, 6:26 am
China revises up the size of its economy in 2013 by 3.4%, which works out to about the size of Malaysia's economic output.
Thursday, December 18th, 12:33 am
While most of us will be relaxing on Christmas Day, spare a thought for the many people who will be working.
Monday, December 15th, 12:02 am
How Paul Lindley, the boss of Ella's Kitchen, built up the UK's largest baby food business.
Tuesday, December 16th, 1:41 am
Malawian business tycoon Mike Mlombwa tells the BBC how to deal with red tape and stay on the right side of the law when doing business.
11:21 am (8 hours ago)
Rangers' board are greeted with chants of "out, out, out" as they take their seats at the club's AGM on Monday at Ibrox.
Friday, December 19th, 7:05 pm
Hereford United is wound up by the High Court over money owed to HM Revenue and Customs.
Wednesday, December 17th, 7:57 am
The SPFL is to withhold £250,000 due to Rangers for broadcast fees to cover a fine relating to employee benefit trusts.
12:12 am (20 hours ago)
The Royal Mail signed up 19,000 seasonal workers this year to help out at Christmas. BBC News went to meet some of them.
5:09 pm (3 hours ago)
BBC Weather's Carol Kirkwood visits Snow Business, a company in Stroud, Gloucestershire, which makes snow for the film industry.
10:15 am (10 hours ago)
BBC editors are known for their extensive knowledge of specialist subjects, but can they handle the pressure and maintain their reputations when in the spotlight?
2:16 pm (6 hours ago)
Mark Wright, the winner of this year's Apprentice said he was "very confident" of success for his new business plans.
11:25 am (8 hours ago)
Monday marks a big day for Airbus at its main factory headquarters in Toulouse, as Qatar Airways takes the first delivery of the plane makers newest twin-aisle A350 XWB.
Yesterday 11:53 pm (20 hours ago)
With some experts forecasting the diminution of diamond reserves in as little as 20 years, Botswana must look to diversify its export industry.
12:00 pm (8 hours ago)
Nicaragua, the poorest country in mainland South America, announced on Monday it will break ground on a new canal linking the Atlantic and Pacific oceans.
12:49 am (19 hours ago)
Monocle Magazine is a niche product selling just 18,000 copies a year, but it is aiming to rapidly increase sales in Asia with a new audience of high-end readers.
Yesterday 11:47 pm (20 hours ago)
Interactive video remembering the InterCity 125
Yesterday, 10:06 am
The leading bosses who had a rotten 2014
Yesterday 11:50 pm (20 hours ago)
The Norwegian firm that tests the world's ships and oil rigs
2:23 am (17 hours ago)
Germany's drive to promote more women in business
Yesterday, 10:04 am
How German markets have exploded across the UK
Yesterday 11:55 pm (20 hours ago)
Botswana's plans to move away from a reliance on diamonds
Saturday, December 20th, 1:45 am
A rare look into how Crossrail is taking shape below London
Saturday, December 20th, 2:47 am
On the seasonal lookout for counterfeit goods

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