PRIVATE CLIENT

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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 10:44 pm (3 hours ago)
Airlines across the world have begun requiring two crew members to always be present in the cockpit, in the wake of the French Alps crash.
Yesterday 5:04 pm (9 hours ago)
The London stock market falls as investors react to a jump in oil prices following airstrikes by Saudi Arabia on rebel targets in Yemen.
Yesterday 10:35 pm (3 hours ago)
Sales of Pepsi overtake Coca-Cola's sugar-free brand as consumers continue to move away from fizzy drinks.
Yesterday 7:49 pm (6 hours ago)
One of Brazil's biggest engineering companies, Galvao Engenharia, files for bankruptcy protection after Petrobras stopped payments.
Yesterday 1:47 pm (12 hours ago)
Green power from Norway will soon be powering hundreds of thousands of homes in Britain, National Grid says.
Yesterday 7:00 pm (7 hours ago)
Oil giants Shell and Taqa announce plans to cut hundreds of North Sea jobs, citing "challenging" times for the industry.
Yesterday 10:59 am (15 hours ago)
France cuts its budget deficit target for this year and signals that the economic recovery is gathering pace.
Yesterday 1:03 pm (13 hours ago)
German sportswear firm Adidas outlines a turnaround plan that includes making some of its goods in Europe rather than Asia.
Yesterday 4:24 pm (9 hours ago)
Worries about the financial stability prompt Bank of England regulators to look into how fund managers would cope with a sudden withdrawal of cash.
Yesterday 2:41 pm (11 hours ago)
Oil prices rise and shares fall after Saudi Arabia, the world's biggest crude exporter, and its allies launch airstrikes on rebel targets in Yemen.
Yesterday 11:13 am (15 hours ago)
UK retail sales grow more strongly than expected, up 0.7% in February from the previous month, helped by the recovery in the housing market.
Yesterday 4:56 pm (9 hours ago)
A new £250m taxi plant is to be built outside Coventry, with the creation of up to 1,000 jobs.
Yesterday 3:34 pm (10 hours ago)
PayPal agrees a £5.1m payout over allegations it allowed payments from accounts deemed enemies of the state by the US government.
Yesterday, 12:06 am
Monica Lewinsky has made an impassioned public speech calling for people to be nicer online. So why do we continue to be so mean?
12:22 am (an hour ago)
What does your food shopping say about you?
Yesterday 3:21 pm (11 hours ago)
Banks must investigate alternative arrangements for customers before closing the last bank in town, under a new agreement.
Yesterday 3:53 am (22 hours ago)
Indonesians are concerned about a recent spike in rice prices which the government is blaming on mark-ups by market traders.
Yesterday, 1:28 am
Heinz - best known for its tomato ketchup and baked beans - has agreed to merge with Kraft to create a global food giant.
Wednesday, 12:19 am
Steven Fischer, the creator of a $10,000 luxury leather bag, explains what inspired him.
Tuesday, 7:03 pm
Inflation has dropped to zero percent it's at its lowest level since records began.
Tuesday, 8:07 am
BBC's Newsbeat meets two first-time buyers who have teamed up in a bid to beat the housing crisis.
Monday, 11:33 pm
Japan's economic slowdown is making its latest generation of pessimistic jobseekers even more cautious about working abroad, reports Mariko Oi.
12:10 am (an hour ago)
Can you save your pennies and barter your way to the good life?
12:17 am (an hour ago)
Why Nigeria's economy is booming despite Boko Haram
12:00 am (an hour ago)
Can data help create England's next football stars?
Yesterday, 12:18 am
What a chicken sandwich tells us about our financial health
Yesterday, 12:24 am
Kosovo's entrepreneurs hope for a brighter economic future
Wednesday, 4:44 pm
David Cameron's VAT pledge and Labour's response

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