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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

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Royal Bank of Scotland says it expects pre-tax profits of £2.65bn for the first half of the year but warns of 'bumps in the road ahead'.
Yesterday 10:49 pm (9 hours ago)
Amazon reports a loss of $126m in the second quarter and warns of slowing sales.
2:36 am (5 hours ago)
Fast-food chain McDonald's suspends sale of chicken nuggets in Hong Kong over the out of date meat scandal at a Chinese supplier.
Yesterday 4:50 pm (15 hours ago)
The International Monetary Fund (IMF) has lowered its forecast for global economic growth this year, from 3.7% to 3.4% but the UK's forecast is raised.
1:03 am (7 hours ago)
US President Barack Obama urges lawmakers to end a tax loophole that allows US companies to avoid paying US corporate taxes.
Yesterday 4:33 pm (15 hours ago)
Earnings at the US carmaker General Motors slump because of the cost of vehicle recalls.
Yesterday 4:35 pm (15 hours ago)
Barclays challenges legal action brought by US prosecutors alleging fraud in its "dark pool" trading operations.
Yesterday 8:34 pm (11 hours ago)
The South African government is fast-tracking a bill to block land sales to foreigners, which could come into effect in 2019.
Yesterday 6:13 pm (14 hours ago)
Newly published banking standards could mean banks have to hold significantly more funds to guard against potential loan losses.
Yesterday 4:02 pm (16 hours ago)
Only a third of "nuisance" calls are blocked by a service that allows individuals to opt-out of marketing calls, research has found.
Yesterday 2:22 pm (17 hours ago)
The European Aviation Safety Agency has joined the US in lifting its ban on flights to Tel Aviv's Ben Gurion airport.
Yesterday 10:20 am (21 hours ago)
The volume of goods sold in the UK's shops, stores and supermarkets continues to grow, according to the Office for National Statistics (ONS).
Yesterday 12:21 pm (19 hours ago)
Alston Network, a UK subsidiary of the giant French engineering group Alstom, has been charged with corruption by the Serious Fraud Office (SFO).
Yesterday 12:19 pm (19 hours ago)
More than 1,200 jobs are lost from Solihull-based car parts firm Unipart Automotive as it goes into administration.
Yesterday 1:58 pm (18 hours ago)
Burning wood to fuel power stations can create as many harmful carbon emissions as burning coal, according to a government report.
Yesterday, 12:00 am
A "relatively benign" rise in interest rates still has the potential to double the number of households facing debt problems, a think tank has said.
Yesterday 4:44 pm (15 hours ago)
Standard Chartered bank has backed its chief executive and chairman after media reports that they are under pressure to stand down.
Yesterday 12:11 pm (20 hours ago)
Hundreds of thousands of people have a week to renew their tax credits or face losing the payments, HM Revenue and Customs says.
Yesterday 12:07 pm (20 hours ago)
The unemployment rate in Spain falls below 25% for the first time in two years, as the economy begins to grow.
Wednesday, 4:05 pm
Hedge fund manager Bill Ackman fails to land his promised "death blow" on diet shake company, Herbalife.
Tuesday, 4:16 pm
The number of people taking their holidays in Spain reaches record levels, according to the country's tourism ministry.
Yesterday 8:30 am (23 hours ago)
People whose power is cut off for long spells during bad weather will be eligible for much higher compensation payments.
Yesterday 9:19 am (22 hours ago)
Eighteen websites have been suspended and arrests made during a campaign, being revamped on Thursday, against pensions cash "predators".
Yesterday 9:13 am (23 hours ago)
The Competition and Markets Authority launches a full investigation of the UK energy market.
Yesterday 11:18 pm (8 hours ago)
Thousands of workers across Ghana take to the streets to protest about the rise in the cost of living and call for petrol subsidies to be restored.
Yesterday, 3:34 am
China's manufacturing activity grows at its fastest pace in 18 months in July, an initial survey by HSBC shows, the latest sign that its economy may be stabilising.
Wednesday, 7:39 pm
The IMF is lowering its forecast for US economic growth to a "disappointing" 1.7%, the second downgrade this year.
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Monday, 5:24 am
Akubra has been run by one family for five generations and their handsome felt hats, which are made with rabbit fur, are very much a part of Australia's national identity.
Yesterday, 3:51 am
A betting levy to help fund community facilities and treat gambling addiction is among proposals considered by Labour in a "long-term innovative plan for sport".
Wednesday, July 16th, 5:28 pm
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Monday, July 14th, 9:13 pm
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Wednesday, 12:00 am
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Tuesday, 3:13 pm
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Wednesday, 10:44 pm
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Wednesday, 2:14 am
Models and conceptual drawings by famous car manufacturers


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


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.


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.


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.


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.


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.


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