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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 or email peterb@backhouse.co.uk

12:17 pm (an hour ago)
Barclays Bank has been fined a record £38m by UK regulators for failing to keep its clients' assets separate from its own.
12:49 pm (29 minutes ago)
Troubled supermarket giant Tesco says its new chief financial officer, Alan Stewart, is joining the company immediately, more than two months earlier than originally planned.
11:54 am (an hour ago)
Insurers have been criticised for turning down claims from holidaymakers who had been drinking alcohol before having an accident.
10:46 am (3 hours ago)
The amount of new borrowing through personal loans has outstripped repayments every month this year, figures from UK banks indicate.
11:37 am (an hour ago)
Alibaba founder Jack Ma is China's richest person following his company's record listing, according to a wealth survey by the Hurun Report.
11:27 am (an hour ago)
Government borrowing remained high in August, hampering the chancellor's efforts to reduce the public deficit, official figures show.
7:51 am (5 hours ago)
Designer shoe maker Jimmy Choo announces plans to list its shares on the London Stock Exchange.
12:41 pm (37 minutes ago)
The FTSE 100 falls sharply, with drugs shares hit by new US tax rules that are seen as making UK firms less desirable takeover targets.
9:15 am (4 hours ago)
Tate and Lyle warns that supply chain problems and more competition in the sweetener market will hit its profit after a "challenging" half year.
11:57 am (an hour ago)
Eurozone business growth cooled again in September, with activity expanding at its slowest pace since December, a closely-watched survey indicates.
10:06 am (3 hours ago)
Dutch electronics giant Philips says it is planning to split the company in two, separating its lighting business from its healthcare division.
10:48 am (3 hours ago)
China's biggest privately-held company Fosun joins a bidding war for Portuguese hospital operator Espirito Santo Saude.
Yesterday 8:06 pm (17 hours ago)
Almost 1,700 jobs are to go at the failed mobile phone retailer Phones 4U, after the firm's administrators confirmed that 362 stores will close.
7:39 am (6 hours ago)
BHP Billiton and Mitsubishi plan to cut 700 jobs at a joint coal mining venture in Australia because of tough market conditions.
12:01 am (13 hours ago)
The White House announces new treasury department measures aimed at stopping companies avoiding US taxes by merging with overseas firms.
2:21 am (11 hours ago)
The Rockefeller family, which made its fortune from oil, is to sell its investments in fossil fuels and put money into clean energy.
Yesterday 8:55 pm (16 hours ago)
The US Securities and Exchange Commission reveals it has awarded a record $30m payout to an anonymous whistleblower who lives outside the US.
Yesterday 6:14 pm (19 hours ago)
Musical The Lion King takes more money at the box office than any other stage show or cinema release.
Yesterday, 8:51 am
The chief executive of Chinese footwear firm Ultrasonic has spoken to Chinese media and denied running off with the firm's cash.
Yesterday 1:46 pm (24 hours ago)
Investment analysts have urged investors to be cautious after the Royal Mint launched a new website selling gold and silver coins.
Yesterday 5:07 pm (20 hours ago)
Ed Balls says he will increase the minimum wage, bring in a mansion tax, freeze child benefit and axe the "bedroom tax" in his first Budget if Labour wins power.
Yesterday, 11:36 am
Regulator Ofgem is launching a review of energy firms' communications with customers in debt amid concerns over potentially misleading letters.
Yesterday 7:51 pm (17 hours ago)
Plans to build a new nuclear power plant at Hinkley Point in Somerset are recommended for approval following a European Commission investigation.
Yesterday 6:28 pm (19 hours ago)
Mick Cash is elected general secretary of the Rail, Maritime and Transport Union following the death of previous leader Bob Crow.
Sunday, September 21st, 3:23 pm
The US Treasury Secretary urges eurozone countries to "boost demand" in order to reduce unemployment and avoid deflation.
Thursday, September 18th, 12:20 am
A group of farmers are hoping to succeed where others have failed: in creating the first commercially viable wasabi growing business in North America.
Wednesday, September 17th, 12:28 am
A profile of Everett Alvarez, the former US Navy pilot, who spent eight and a half years as a prisoner of war in North Vietnam, before a successful career in government and business.
Tuesday, September 16th, 12:01 am
Ivorian Coast entrepreneur Thierry N'Doufou talks about how he developed a tablet computer which he wants to be used by all school children in the country.
Yesterday 8:01 pm (17 hours ago)
A report into alleged corruption at Fifa, football's world governing body, could lead to criminal charges, an MP believes.
Yesterday, 12:09 pm
Regional Rugby Wales confirm Wales captain Sam Warburton has the first dual contract under the new deal with the WRU.
Wednesday, September 17th, 12:05 am
Hotel chain Radisson suspends its sponsorship of NFL team Minnesota Vikings after one of their players was charged with child abuse.
Yesterday 4:57 pm (20 hours ago)
Tesco's chief executive Dave Lewis has said there will be a "full and frank investigation" after the supermarket overstated its profits. Watch the full interview.
2:12 am (11 hours ago)
Catherine Yeung, investment director at Fidelity Worldwide tells Rico Hizon that she expects a 'bumpy ride' for the Chinese economy.
Yesterday 7:35 pm (18 hours ago)
The Royal Mint has launched a new website selling gold and silver coins.
3:03 am (10 hours ago)
The Marriott hotel chain plans to open a new hotel almost every week in Asia over the next three years to help cater for Chinese tourists.
Yesterday, 1:28 am
The chief executive of De Beers says that China will be the 'engine' of growth for the diamond market.
Sunday, September 21st, 8:06 pm
Taralika Lahiri runs a private detective agency in Delhi that specialises in matrimonial cases and says her business is thriving.
Yesterday, 2:02 am
G20 finance ministers meeting in Australia say they are close to agreeing a package of measures to boost global growth.
Friday, September 19th, 4:15 pm
Shares in Alibaba, the Chinese online retailer, have begun trading on the New York Stock Exchange.
8:15 am (5 hours ago)
Has Tesco passed its sell by date?
12:00 am (13 hours ago)
The tech making life a little easier for patients
Sunday, September 21st, 8:06 pm
The detective making money from untrusting couples
Friday, September 19th, 2:00 pm
How 'No' vote will alter Scottish tax and benefits
Thursday, September 18th, 10:41 pm
The man behind China's internet giant Alibaba
Friday, September 19th, 1:11 am
Kenya's security sector grows in aftermath of Westgate attack
Thursday, September 18th, 8:04 pm
India's farmers turn to tech to cope with climate change

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