PRIVATE CLIENT

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Wholesale Insurance

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

Yesterday 8:45 pm (4 hours ago)
George Osborne has used his annual Mansion House speech to the City to announce the government is preparing to sell its stake in Lloyds Bank back to private investors.
Yesterday 11:17 pm (an hour ago)
The Federal Reserve maintains its $85bn-a-month (£54bn) asset purchase programme, but says it could begin scaling back later this year and ending it completely in 2014.
12:00 am (an hour ago)
Rogue traders are reprising old scams but with a digital twist to target people whose budgets are squeezed, says trading standards.
12:13 am (54 minutes ago)
A study by Reuters suggests more people are becoming willing to buy online news, but warns that social media may be eroding brand recognition.
Yesterday 3:48 pm (9 hours ago)
Measures including criminal sanctions to make bankers responsible for their own failings, are called for in a new report.
Yesterday 5:35 pm (8 hours ago)
Italian fashion designers Domenico Dolce and Stefano Gabbana are sentenced to jail in Italy for tax evasion but have appealed against the verdict.
Yesterday 1:47 pm (11 hours ago)
UK telecoms regulator Ofcom is to launch an investigation into BSkyB over the supply of its sports channels to rival broadcasters.
Yesterday 5:18 pm (8 hours ago)
Nine drug companies are fined for delaying cheaper generic drugs coming to market.
Yesterday 11:34 am (14 hours ago)
The average single person in their twenties will now have to save for over 14 years before they can buy a home, says the housing charity Shelter.
Yesterday 5:39 pm (7 hours ago)
Royal Mail workers vote strongly against the government's proposals to privatise the postal group.
Yesterday 3:20 pm (10 hours ago)
The IMF says Spain has made strong progress on its economy, but the outlook remains "difficult" and more action is needed to boost job creation.
Yesterday 2:43 pm (10 hours ago)
Dalian Wanda Group, a Chinese property developer, says it will spend £1bn ($1.6bn) to buy a British yacht maker and property in London.
Yesterday 2:03 pm (11 hours ago)
BT chief executive Ian Livingston is to leave the company to join the government as a trade minister, David Cameron announces.
Yesterday 11:25 am (14 hours ago)
The Bank of England governor was outvoted again at his final monetary policy committee meeting, with the body voting 6-3 against more stimulus measures.
Yesterday 10:01 am (15 hours ago)
Cyprus President Nicos Anastasiades urges eurozone leaders to help his country's biggest bank and sharply criticises the bailout agreed in March.
Yesterday 8:00 am (17 hours ago)
Japanese exports rose in May at the fastest annual rate since 2010 as the yen weakened, providing a boost to Prime Minister Shinzo Abe's plan to revive the economy.
Yesterday, 12:10 am
A new consistent system of front-of-pack food labelling is to be introduced in the UK, the government says.
Tuesday, 12:32 pm
Building Societies are warning the government about a future house price bubble, unless it plans how to end its Help to Buy programme.
Monday, 4:41 pm
UK household finances are improving, a survey suggests, although most people still believe their financial circumstances are deteriorating.
Tuesday, 1:42 pm
The bosses of the Lloyds Banking Group tell MPs that they knew there was a black hole in the accounts of the Co-op Bank, four months before a vital deal with them collapsed.
Tuesday, 5:48 pm
Leaders of the G8 major economies agree plan to clamp down on money launderers, illegal tax evaders and corporate tax avoiders.
Tuesday, 4:22 pm
New car sales across Europe fell to their lowest level in two decades in May as the deepening recession hurt demand.
Tuesday, 2:27 pm
The rate of consumer price index (CPI) inflation increased to 2.7% in May, up from 2.4% in April, the Office for National Statistics (ONS) says.
Monday, 12:10 am
If you ever fancied organising a concert by your favourite band, UK technology company Songkick could have the answer.
Thursday, June 13th, 12:21 am
The BBC’s Jill Martin visits a former nun and a beer nut in the US state of Georgia to discover why passion is seen as the vital ingredient in brewing a successful US small business.
Monday, June 10th, 12:07 am
Before the financial crisis, Jean-Christophe Menz could just walk into a bank and ask for money - not any more.
Yesterday 5:19 pm (8 hours ago)
Hearts' administrators say they are aware of the need to find a resolution to the club's problems so close to the new season.
Yesterday 6:32 am (19 hours ago)
Welsh rugby chief Roger Lewis calls for a home nations rethink of how profits generated by British and Irish Lions tours are split.
Tuesday, 9:05 am
Diego Maradona wins compensation from two Chinese firms for using his name in an online game, Hot-Blooded Soccer, without his consent.
Yesterday 10:16 am (15 hours ago)
The chief of Canadian Bombardier, Pierre Beaudoin, has said the company's new C-series of regional jets could boost revenues by as much as a quarter.
Yesterday 10:12 am (15 hours ago)
It is not just planes and helicopter on display at the Paris Air Show, as the BBC's Theo Leggett found out when he tried on some of US defence firm Raytheon's new kit.
Yesterday 11:42 am (13 hours ago)
Clothing manufacturers in Peru expect to make bumper profits next year by making football shirts for global fans descending on Brazil for the World Cup.
Yesterday 10:04 am (15 hours ago)
Investors want to know when the US Federal Reserve will begin scaling back its help for the economy - that is, buying $85bn a month in bonds and keeping interest rates low.
Yesterday 12:04 pm (13 hours ago)
Chinese property developer Dalian Wanda Group has said it will spend more than £1bn ($1.6bn) to buy a British yacht maker and develop a hotel in London.
Yesterday 10:03 am (15 hours ago)
The Today programme's business news with Simon Jack.
Yesterday 10:02 am (15 hours ago)
Lord Myners, the former Labour city minister, says "very little will change for several years as a result of the Tyrie report" on banking standards.
Yesterday 4:05 am (21 hours ago)
Singapore's economy is being impacted by the huge cloud of smoke that drifts in from Sumatran wood fires every year.
12:04 am (an hour ago)
Biro bans and other tales of the low-cost revolution
12:09 am (57 minutes ago)
Has the fighter pilot had his day?
12:25 am (41 minutes ago)
Will China's new middle class spend its way to dominance?
Yesterday, 12:13 am
Where is the middle class growing around the world?
Yesterday 4:44 pm (8 hours ago)
BT boss goes in to bat for Britain
Yesterday, 12:00 am
Are there no new big banks because we are too lazy?
Yesterday, 12:27 am
Will the Airbus/Boeing duopoly ever be broken?
Yesterday 11:13 am (14 hours ago)
The IMF offers free online university courses
Yesterday 2:14 am (23 hours ago)
Is down-at-heel Detroit on the brink of a comeback?
Yesterday 1:35 pm (12 hours ago)
How do you prepare for a lifetime of renting?

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 out 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.

Paul Reyner, Fagan and Whalley