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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

10:28 am (13 minutes ago)
The government begins its sell-off of shares in part-nationalised lender Royal Bank of Scotland, raising £2.1bn, a third below the price it paid.
9:16 am (an hour ago)
The pace of increase in UK house prices accelerated in July, rising by 3.5% compared with a year earlier, according to the Nationwide.
Yesterday 6:43 pm (16 hours ago)
Former City trader Tom Hayes is found guilty at a London court of rigging global Libor interest rates, and sentenced to 14 years in jail, in the first trial of its kind.
10:29 am (12 minutes ago)
Japanese carmaker Toyota reports a 10% increase in profit, helped by the weak yen and cost cuts.
Yesterday 11:16 pm (11 hours ago)
A British oil company paid hundreds of thousands of dollars which went to senior Somali civil servants, according to a UN report seen by the BBC.
9:32 am (an hour ago)
The FTSE 100 falls, with shares in Standard Life lower after it says its annuities business has suffered from recent pension reforms.
9:34 am (an hour ago)
Asian markets trade mostly higher despite a lacklustre lead from Wall Street, where US stocks closed lower.
Yesterday 11:44 am (23 hours ago)
German vehicle manufacturers Audi, BMW and Daimler are buying Nokia's Here digital mapping business for 2.8bn euros (£2bn).
Yesterday 8:34 pm (14 hours ago)
US President Barack Obama unveils what he calls "the biggest, most important step we have ever taken" in tackling climate change.
6:34 am (4 hours ago)
Puerto Rico confirms that it failed to make a debt payment at the weekend, in the latest sign of the economic crisis in the US territory.
Yesterday, 10:00 am
Money advice costs can be complicated and varied, consumer groups say, as the government opens a review into the sector.
Yesterday 3:39 pm (19 hours ago)
First Great Western rail workers are to stage strikes, including over the August Bank Holiday weekend, the Rail, Maritime and Transport union says.
Yesterday 3:42 pm (19 hours ago)
From the £24,000 Vertu Red Gold Black DLC to the £50 Rook, the 2015 smartphone market seemingly has a device to suit every wallet.
Yesterday 12:27 pm (22 hours ago)
National security concerns have led China to restrict exports of high-performance drones and supercomputers.
2:57 am (8 hours ago)
South Korea's Lotte Group is in the throes of a bitter feud as the founder prepares to hand over power.
12:14 am (10 hours ago)
Former Thomas Cook Group boss Harriet Green offers the advice she wishes she had had when she started out in the world of business.
2:33 am (8 hours ago)
The big plantations used to produce palm oil have devastated wildlife in places like Borneo. Can it be produced sustainably?
Yesterday 10:58 pm (12 hours ago)
Outside Source looks at the struggles facing the Puerto Rican economy.
Yesterday, 2:35 am
Takeshi Idezawa, chief executive of chat app LINE speaks exclusively to the BBC about why the company remains focused on Asia.
Yesterday, 12:00 am
LinkedIn co-founder Reid Hoffman offers the advice he wishes he had when he started out in the world of business.
Yesterday, 12:42 am
Author Laxman Rao sells his tea alongside copies of his own novels on the streets of Delhi.
Friday, July 31st, 4:04 pm
Colm O'Regan takes a look at the post-war boom and onset of consumer capitalism in the United States.
12:18 am (10 hours ago)
Is your digital doppelganger stealing from you and others?
12:14 am (10 hours ago)
The future for driverless cars
Yesterday 3:26 pm (19 hours ago)
Have we cleaned up the financial markets?
Sunday, August 2nd, 10:59 pm
How Chinese market volatility hit one investor
Yesterday, 12:38 am
Why eurozone economies aren't in rude health
Yesterday, 12:32 am
Atari's founder on treating business like a game
Sunday, August 2nd, 12:37 am
Three pieces of make or break advice
Saturday, August 1st, 12:10 pm
Optimism and concern at HK's tech conference
Friday, July 31st, 9:59 pm
'If this art isn't yours, it's ours'

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.

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