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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

Yesterday 4:33 pm (12 hours ago)
Rail workers in the RMT union are to hold 24-hour and 48-hour strikes next month, after rejecting a pay offer from Network Rail.
Yesterday 8:49 pm (8 hours ago)
The Republic of Ireland's parliament has approved the sale of the nation's 25% stake in Aer Lingus to British Airways owner, IAG.
3:19 am (an hour ago)
Mainland China shares continued lower, falling as much as 3.5% on Friday after plunging nearly 7% a day earlier.
Yesterday 9:13 pm (8 hours ago)
Three major carmakers have expanded recalls of vehicles with faulty Takata airbags.
2:35 am (2 hours ago)
A UK exit from the European Union would be 'disastrous' for Britain and Germany warns the German chamber of commerce.
Yesterday 10:53 am (18 hours ago)
The UK economy grew by 0.3% in the first quarter, the ONS confirms, with growth being hit by rising imports and a slowdown in the services sector.
Yesterday 4:03 pm (13 hours ago)
The trader at the centre of the Libor rate-rigging trial offered his contact a "humongous deal" to keep the rate low, a court hears.
Yesterday 8:05 pm (9 hours ago)
MEPs call for transparent and public handling of trade disputes with the US but soften their stance on controversial commercial courts.
Yesterday 11:47 am (17 hours ago)
There was a "significant pre-election jump" in the number of mortgage applications being approved, according to the High Street banks.
Yesterday 2:51 pm (14 hours ago)
Avago Technologies, one of the world's biggest manufacturers of semiconductors, is buying its California-based rival Broadcom for $37bn.
Yesterday 4:35 pm (12 hours ago)
Venezuela and Russian oil giant Rosneft agree to invest $14bn (£9.2) in Venezuela's oil and gas sector, Venezuelan leader Nicolas Maduro says.
Yesterday 6:18 pm (11 hours ago)
Nearly three-quarters of fresh shop-bought chickens test positive for food poisoning bug campylobacter in year-long study.
Monday, 12:55 pm
A family whose image was used in a poster campaign by the group opposing gay marriage in the Republic of Ireland say they were "naive" about stock photography websites.
Monday, 12:27 am
Scottish councils have made a record profit from parking charges and fines, figures from the RAC Foundation show.
2:21 am (3 hours ago)
Delegates from 17 nations are set to discuss the migrant crisis in South East Asia at a meeting in Bangkok on Friday.
Yesterday 5:11 am (24 hours ago)
Macau's biggest casinos plan to invest $25bn in hotels and casinos over the next two years, despite a plunge in gambling revenues.
Yesterday 1:53 pm (15 hours ago)
Pressure mounts on Sepp Blatter to stand down as president of world football's governing body Fifa - in the wake of the corruption allegations around the organisation.
Yesterday 11:40 am (17 hours ago)
Former Canadian prime minister Brian Mulroney, described as "an early adopter" because of the reforms he made while in office, talks about his successes and failures.
Yesterday 5:07 am (24 hours ago)
China's yuan may become a global reserve currency this year - Bank of America's Claudio Piron explains why that's important.
Wednesday, 11:47 pm
The Conservatives say they will freeze working-age benefits, including child benefit, for two years, but have still not spelt out what else will be targeted.
Yesterday 6:40 pm (10 hours ago)
Prime Minister David Cameron has visited the Netherlands and France at the start of an intense round of shuttle diplomacy.
Wednesday, 2:19 am
China outlines a plan to boost the capability of its navy amid tension over disputed areas of the South China Sea.
12:00 am (5 hours ago)
Reaching for the Red Planet
12:00 am (5 hours ago)
Is the future workplace a shiny tech paradise or robot led dystopia?
Yesterday 1:19 pm (16 hours ago)
Are Fifa's sponsors being harmed by the continuing scandal?
Yesterday, 12:00 am
The serious business of serving bar snacks in Brazil
Yesterday, 12:00 am
Why Russian gas companies may turn to China
Yesterday, 12:00 am
Why is 30 hours a week the threshold for tax breaks?

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