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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

10:29 pm (47 minutes ago)
Renewed fears over growth in China hit global markets, with the Dow Jones closing down 468 points.
12:11 pm (11 hours ago)
Continued expectations of an interest rate rise are prompting more homeowners to lock into a new mortgage deal, figures suggest.
9:48 pm (an hour ago)
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6:19 pm (5 hours ago)
Google has made a series of changes to the main logo it uses for its core services.
12:03 pm (11 hours ago)
The wet weather meant shoppers opted for shopping centres over the High Street during the bank holiday, figures suggest.
3:55 pm (7 hours ago)
Building the proposed new High Speed Two (HS2) rail line will mean years of weekend "misery" for rail passengers, according to a campaign group.
12:46 pm (10 hours ago)
UK shoppers will now be able to spend up to £30 using contactless cards after the limit was increased from £20, amid a surge in people using them.
10:49 am (12 hours ago)
Unemployment in the eurozone fell to its lowest rate in July for more than three years, official figures show.
10:30 am (13 hours ago)
Growth in the UK manufacturing sector slowed slightly in August, a survey suggests, with the workforce falling for the first time in more than two years.
4:52 pm (6 hours ago)
Portugal's central bank misses its deadline to sell Novo Banco, a bank created after the collapse of one of the country's second-biggest lender.
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Canada's economy fell into recession in the first half of the year, official figures show, as falling oil prices took their toll.
12:04 pm (11 hours ago)
The chief executive of Yahoo, Marissa Mayer, announces she is expecting twin girls but plans to take "limited" time off.
Yesterday 11:29 pm (24 hours ago)
Streaming service pins future on exclusives and originals as it lets deal with movie distributor lapse, meaning the removal of thousands of titles.
Thursday, August 27th, 12:01 am
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Yesterday, 7:56 pm
Australia's iron ore industry is facing a slump after decades of success fuelled by demand from China.
Yesterday, 11:37 am
Scientists develop a way to make ice cream smoother and less likely to melt so quickly on a hot summer day.
Yesterday, 8:44 am
Indian growth has already outstripped China's for two quarters, but can it maintain that pace of development?
Yesterday, 2:09 am
An unusual show at New Zealand's fashion week - one showing off a new type of lingerie that can be used for incontinence.
Friday, August 28th, 12:57 pm
Slowing growth in China has seen stock markets in turmoil and underlined the recent plunge in commodity prices - a key concern in many African economies.
Friday, August 28th, 12:18 am
South Sudan has what many business people describe as a "war economy" as they battle to keep their companies afloat as a result of the brutal civil war.
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Yesterday, 12:02 am
The hair-raising way one entrepreneur first made money
Friday, August 28th, 12:00 am
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Thursday, August 27th, 12:01 am
The watchmaker who travels the globe to deliver

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.

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