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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 5:10 pm (19 hours ago)
British banks may have to hold more funds to guard against the risk of a future economic downturn, the Bank of England has proposed.
Yesterday, 11:32 am
Russia's central bank raises interest rates to 9.5% from 8%, a much bigger rise than expected, as it seeks to combat inflation.
Yesterday 2:00 pm (22 hours ago)
The UK Government has said that it will 'retire' £218m of the UK's £2bn First World War debt by refinancing bonds originally issued by Winston Churchill.
Yesterday 9:55 pm (14 hours ago)
The Dow and S&P 500 close at record levels, helped by a surprise move by the Bank of Japan to boost its stimulus measures.
Yesterday, 11:57 am
Andy Rubin steps down from Google, while his former colleague Daniel Graf is demoted at Twitter
Yesterday, 12:16 pm
Inflation in the eurozone rose slightly in October, giving some hope that the spectre of deflation can be staved off.
Yesterday, 10:34 am
Japan's central bank, the Bank of Japan, surprises markets by announcing an expansion of its monetary stimulus policy.
Yesterday 4:59 pm (19 hours ago)
Royal Bank of Scotland sets aside £400m to cover potential costs from an investigation into possible manipulation of the foreign exchange market.
Yesterday 5:50 pm (18 hours ago)
The FTSE 100 rises more than 1% as investors breathed a sigh of relief over Bank of England plans for capital reserves and welcomed news of a stimulus boost from the Bank of Japan.
Yesterday 12:57 pm (23 hours ago)
Hungary shelves a proposed tax on internet data traffic after tens of thousands of Hungarians marched against it.
Yesterday, 10:49 am
The parent company of British Airways, IAG, raises its profit forecast after it reports a 30% increase in third-quarter profits.
Yesterday, 1:08 am
Russia will resume gas deliveries to Ukraine this winter in a deal brokered by the European Union, which will also safeguard supplies to EU countries.
Yesterday, 11:05 am
Japanese consumer electronics giant Sony reports a net loss for the three months to September of 136bn yen ($1.2bn; £762m).
Yesterday, 2:43 am
Investment bank Citigroup puts aside an extra $600m to cover legal expenses due to "rapidly evolving regulatory inquiries".
Yesterday, 5:55 am
One of Australia's biggest lenders, ANZ, announces a record full-year net profit of A$7.3bn ($6.4bn, £4bn), up 15% from a year earlier.
Thursday, 11:33 pm
Starbucks' shares fall as investors express disappointment at the company's latest quarterly sales figures.
Tuesday, 7:19 pm
The former dictator of Panama, Manuel Noriega, fails in his attempt to sue Activision after a character based on him appeared in a Call of Duty game.
Tuesday, 5:43 pm
There's been a rather unfortunate translation error on an ATM outside an Aberystwyth store.
Thursday, 8:24 am
The UK housing market is showing signs of slowing down, the Nationwide says, with the annual rate of price growth slowing to 9% in October.
Thursday, 6:18 pm
The Royal Mint announces the sale of a series of new, smaller, gold coins in a bid to encourage more people to invest in bullion.
Thursday, 12:05 pm
Filling up at a motorway service station can cost the average motorist an extra £8 a tank compared with elsewhere, the RAC says.
Thursday, 2:27 pm
The US economy grew at an annual rate of 3.5% in the third quarter, a better figure than economists were expecting.
Wednesday, 7:28 pm
US Federal Reserve announces an end to the quantitative easing stimulus programme begun in 2008 as economic recovery takes hold.
Wednesday, 2:31 am
Singapore is ranked the best country to do business for a ninth consecutive year by the World Bank's annual "Doing Business" report.
Wednesday, 8:04 pm
Chinese entrepreneurs have typically chosen family members as their successors, but that tradition is now shifting.
Wednesday, 8:19 pm
A growing number of Australian small firms are allowing their staff to work flexibly and are offering unusual benefits, saying it improves both morale and productivity.
Monday, 12:02 am
Hotel Chocolat co-founder Angus Thirlwell explains how he created a corporate mints provider which he transformed into a chocolate empire.
Wednesday, 10:00 am
A London-based NFL team could be worth more than £100m a year to the UK, according to a new report.
Tuesday, 4:19 pm
Hearts vow to become the first football club in Scotland - and biggest in the UK - to adopt the living wage.
Tuesday, 12:02 am
Men earn more prize money than women in 30% of sports, a BBC Sport study reveals.
10:41 am (an hour ago)
Researchers claim they have found a security flaw with Visa contactless payment cards.
Yesterday 5:19 pm (19 hours ago)
A day in the life of Ismael Diabate, an economic migrant stranded in the Moroccan capital of Rabat.
Yesterday 5:17 pm (19 hours ago)
US oil company Kosmos Energy is to begin drilling off the coast of Western Sahara - a disputed territory claimed by both the Moroccan government and separatists from the indigenous Saharawi people.
Yesterday 1:23 pm (23 hours ago)
Crocodile farming in Zimbabwe is an expensive, niche business, as the BBC's Brian Hungwe finds out.
Yesterday 1:27 pm (23 hours ago)
The BBC's Yogita Limaye asks if ordinary people are witnessing a real change in the cost of living due to slowing inflation.
Yesterday 1:24 pm (23 hours ago)
With the vast majority of people choosing mobile phones over fixed lines, is data the next logical focus for Africa's telecommunications business?
Yesterday, 2:42 am
Ramon Jimenez, the Philippines' tourism secretary, says a drop in numbers from China is not a major concern because of growing visits from other countries.
Thursday, 10:49 pm
Lord Browne, author of The Glass Closet and former Chief Executive of BP, has hailed Apple CEO Tim Cook as "an important role model", after Mr Cook publicly acknowledged his sexuality, saying he was "proud to be gay".
Yesterday 1:09 pm (23 hours ago)
Global tax rules 'need tightening'
Yesterday 12:41 pm (24 hours ago)
The metal detectorists saving marriages
Yesterday, 2:13 am
How former Remploy workers struggle to find work
Yesterday, 12:07 am
Weighing up oil and gas development in Colorado
Thursday, 7:36 pm
Will Chinese films be the next big blockbusters?
Thursday, 12:42 am
Has the US Federal Reserve's QE policy worked?
Thursday, 11:13 am
Has the market finally caught up with Samsung?

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