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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

5:24 pm (3 hours ago)
The FTSE 100 has surged through the level it closed at last Thursday recovering all of the ground it had lost in the wake of the Brexit vote.
7:21 pm (an hour ago)
Former BHS owner Sir Philip Green has demanded an apology for an "outrageous outburst" by MP Frank Field as the row over the retailer's collapse escalates.
8:08 pm (43 minutes ago)
Supermarket Morrisons makes a fresh complaint to the Advertising Standards Authority about discount chain Aldi.
5:27 pm (3 hours ago)
Two whistleblowers in "Luxleaks" tax scandal get suspended jail terms as journalist on trial is acquitted
9:08 am (12 hours ago)
The North of England now has the lowest house prices in the UK, according to the Nationwide Building Society.
10:36 am (10 hours ago)
Dixons Carphone says it expects to find "opportunities for additional growth" in the wake of Brexit as the company reports a 17% jump in annual profits.
1:50 pm (7 hours ago)
Names of individuals and organisations listed in the Thomson Reuters World-Check Risk Screening database are leaked.
3:31 pm (5 hours ago)
The vote to leave the European Union will cause instability and uncertainty that will challenge the UK car industry, its trade body said, as it reported record turnover in 2015.
Yesterday 9:05 pm (24 hours ago)
Vodafone says it may consider moving its London headquarters out of the UK, depending on the outcome of Britain's negotiations to leave the EU.
Yesterday 11:44 pm (21 hours ago)
A businessmen who introduced Dominic Chappell to Sir Philip Green says he "never thought in a million years" that he would end up running BHS.
5:14 am (16 hours ago)
Japanese carmaker Toyota says it will recall 1.4 million Prius and Lexus vehicles worldwide over faulty airbags.
11:25 am (9 hours ago)
Simon Topman of Acme Whistles is concerned about higher tariffs and a changing European attitude towards the UK.
9:46 am (11 hours ago)
Dixons Carphone boss Seb James explains how the retailer is responding to the Brexit vote
1:10 am (20 hours ago)
How a robot-operated warehouse can help a company make deliveries in hours or minutes
2:24 am (18 hours ago)
Australian actor Eamon Flack has landed his dream job as artistic director of Sydney's Belvoir theatre company.
Monday, 5:24 pm
The pound has fallen sharply following the UK's decision to leave the European Union - how might this affect prices on the High Street?
Yesterday, 10:36 am
BBC News looks at some of the immediate practical effects that follow from the EU referendum vote in the UK.
Yesterday, 1:56 am
One Japanese businessman expresses bafflement that the UK would want to leave the European Union.
Yesterday, 12:37 am
Natural disasters and an unstable political environment mean an uncertain environment for Thai companies. How do they cope?
Yesterday, 5:24 pm
The BBC is given a first look at a smartphone costing less than £3, set to launch in India next week.
Yesterday, 9:29 am
The Crown Estate delivers a record £304.1m to the Treasury after the value of its portfolio rises 9.7% to £12bn.
1:29 pm (7 hours ago)
Social media has been full of claims that the amounts lost already have been many times the value of the UK's annual contribution to the EU Budget. Is that fair?
12:28 am (20 hours ago)
A university dedicated to food is to award an international prize for a chef whose cooking does good as well as tastes good.
Yesterday, 5:05 am
As businesses grapple with how to respond to Brexit, Germany's capital is keen to open new doors to Britain's tech-savvy talent pool.
Yesterday, 12:37 am
Paul Srivorakul started his business in the middle of a coup and it thrived, but what's the best way for firms to cope with uncertainty?
Yesterday, 12:33 am
Tech firms promise auto-translation services that are near-instantaneous and accurate, but can businesses really rely on them?
Monday, 4:23 pm
German politicians consider a tough approach on Brexit as the leading German business association denies saying the UK would continue to have access to the single market.
Monday, 12:00 am
Fifty years ago this week Barclaycard issued the first credit cards in the UK. Simon Read looks at how the plastic card changed our relationship with money.
Yesterday, 8:24 am
A profile of stockbroker Brad Katsuyama, who devised a way to prevent the controversial practice of high frequency trading on the US financial markets.
Monday, 1:09 pm
Chinese business and political leaders at the World Economic Forum gathering in Tianjin are putting a brave face on the uncertainty caused by Britain's vote to leave the EU.
Sunday, June 26th, 2:21 am
Garbine Muguruza is being heralded as the new face of women's tennis, but can the Spaniard follow in the footsteps of global superstars like Maria Sharapova and Serena Williams?
Friday, June 24th, 9:28 am
Now that the British public has voted for Brexit, what exactly will be the economic effects? Here are five areas where experts say we should pay close attention.
Saturday, June 25th, 9:04 am
The UK government must resolve key issues with the EU, including immigrants' access to Britain, as well as trade deals and tariffs.
Saturday, June 25th, 1:07 pm
As Moody's, one of the big three credit ratings agencies, cuts its outlook for the UK's economy from "stable" to negative", BBC News explains what the agencies do.
Friday, June 24th, 12:57 pm
UK companies and business organisations say action to shore up stability and confidence is needed following the EU referendum result.
Friday, June 24th, 3:32 pm
Gatwick may be back in the race against Heathrow to build a new runway following the vote to leave the EU and David Cameron's resignation
Friday, June 24th, 10:09 am
How are fashion retailers responding to the world of smartphones and social media?
12:14 am (21 hours ago)
Following the Brexit vote, overseas holidays have become more expensive for Britons as the pound has fallen - so will more of us be holidaying in the UK this summer?
Monday, 2:59 pm
The UK's vote to leave the EU has had an immediate effect on some elements of our finances - but not all. Here's what has changed.
3:02 pm (6 hours ago)
Business leaders are calling on any future government to ensure continued "access" to the EU's single market following the referendum but what does that short but significant word mean?
12:38 pm (8 hours ago)
With the pound falling to its lowest level in more than 30 years after Brexit, who are the groups directly affected?
Monday, 4:59 pm
Norway, Switzerland, Canada or Singapore? What approach should the UK take to trade deals with the EU and others, once it leaves the European bloc?

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