PRIVATE CLIENT

Click here to discover our range of personal insurance solutions.

Retail Insurance

Retail Insurance

Whatever size of company you run, it is essential that you protect your business with the most comprehensive insurance to give you complete peace of mind. This will allow you to concentrate on what you do best - working with customers and developing your own business.

At Backhouse we have the expertise to understand the different requirements of all types of business trades and can therefore create an insurance policy specifically tailored to your needs.

Individual policies can be arranged on a stand-alone basis separately for each class of business, or can be arranged on a package basis under one main policy.

Wholesale Insurance

At Backhouse we understand that running a wholesale business presents a number of challenges. With over 50 years experience we know business insurance inside out and understand that you may be looking to only insure certain parts of your business. With a desire to understand your needs we take pride in arranging policies specifically tailored to your needs, if you have a legal requirement for certain cover we will tell you.

No matter the risk we at Backhouse have the experience, knowledge and ability to exceed your expectations. Why not put us to the test?

For more information please contact Peter Barnes on 01282 677776

11:53 am (27 minutes ago)
Sterling falls after figures show shoppers shunned stores to focus on the World Cup last month.
11:53 am (26 minutes ago)
The fashion firm destroyed £28m of unwanted stock last year to protect its brand.
9:32 am (3 hours ago)
The sports retailer's results are hit after the value of its stake in the department store chain falls.
8:26 am (4 hours ago)
The energy group says profits have been hit by £80m as temperatures affect power and demand.
12:00 am (12 hours ago)
The UK's publishing industry says leaving the EU could damage its record-breaking export business.
11:57 am (23 minutes ago)
Stores will dim lights, turn music off and avoid using the tannoy on Saturdays from 09:00 to 10:00.
2:41 am (10 hours ago)
Consumer group Which? says up to a third of plastic packaging in supermarkets is not easily recyclable.
Yesterday 6:05 pm (18 hours ago)
James Bond's favourite car company has plans to develop small aircraft with engine giant Rolls-Royce.
Yesterday 6:27 pm (18 hours ago)
Almost 50,000 passengers face disruption due to a cabin crew strike in Belgium, Portugal and Spain.
Yesterday 12:57 pm (23 hours ago)
Thousands of jobs are at risk as the Gaucho and Cau restaurant chains prepare to go into administration.
Yesterday 4:02 pm (20 hours ago)
More than 40% of shareholders vote against Gavin Darby's re-election after a big investor urged him to quit.
Yesterday 12:40 pm (24 hours ago)
The European Commission has claimed Android unfairly cemented Google's dominance of search.
Yesterday 2:39 pm (22 hours ago)
With complaints running at 540,000 a year, the ombudsman is expected to be busy.
Yesterday, 10:46 am
The CPI measure of inflation remained at 2.4% in June, raising uncertainty over an August rate rise.
Yesterday, 10:21 am
Overall houses prices rose by 3% in the year to May, according to the Office for National Statistics
Yesterday 1:38 pm (23 hours ago)
State of the art airborne classrooms to help test pilots perfect their helicopter flying skills.
Yesterday, 12:17 am
$7tn of goods travel by air every year. Much of it goes in the hold of normal airliners. But for those big, awkward loads, something rather larger is required.
Yesterday, 12:00 am
BBC Click gets exclusive behind-the-scenes access to the technology behind F1.
Tuesday, 7:22 pm
Britons on holiday spend £1bn a year on fees when using their credit and debit cards abroad. There are ways round it, as Simon Gompertz explains.
Tuesday, 1:07 am
More valuable than gold, Yarsagumba fungus is only found in the Himalayas above 3,000 metres.
Monday, 12:12 am
Cafédirect boss John Steel says his firm is not "here to be do-gooders, we're here to do things".
Friday, July 13th, 5:36 pm
A self-driving car has become the first to make it round the Goodwood race circuit.
Friday, July 13th, 12:57 am
The BBC spoke to female business owners about Kylie Jenner and their personal tips for success.
12:04 am (12 hours ago)
Israel may be a big ally of the US, but it is moving ahead with ever more business deals with China.
Yesterday, 12:07 am
Rose gold clothes, shoes, furniture, cars, weddings - why is this colour still so popular?
Yesterday, 12:10 am
A student racing car competition wants to tackle a global shortage of recruits into engineering.
Tuesday, 12:28 am
How facial recognition is being used to identify suspects in crowds and spot suspicious behaviour.
Monday, 10:35 pm
Two Chinese companies are implicated in the scandal around the Malaysian investment fund, 1MDB.
Monday, 12:07 am
Drew Houston and Arash Ferdowsi had never met before they teamed up to launch cloud storage giant Dropbox.
Saturday, July 14th, 6:13 am
More money is now available for people who want to develop affordable housing in their local area.
Monday, 1:01 am
With ever-more money being spent on fitness, BBC News asks who spends most and what is it spent on?
Friday, July 13th, 12:21 am
How firms are using cutting-edge techniques to stop cyber criminals breaching their networks.
Friday, July 13th, 12:32 am
Kylie Jenner is not old enough to drink alcohol in the US yet, but is worth almost $1bn.
Thursday, July 12th, 1:34 am
After the US imposes tariffs on $34bn of goods from China, the BBC looks at President Trump's move.
Thursday, July 12th, 12:17 am
President Trump vows to move quickly on a UK trade deal after Brexit - but the reality is more complex.
Wednesday, July 11th, 8:43 am
The UK government is due to set out its plans for the country's post-Brexit relationship with the EU. What do we know so far?
Wednesday, July 11th, 12:15 am
The popularity of K-pop is driving a global boom in learning the Korean language.
Tuesday, July 10th, 12:01 am
Virtual reality, drones and automation are making mining safer and more productive.
Monday, July 9th, 12:30 am
Linda Jackson is the first female and first British CEO of French carmaker Citroën.
Monday, July 9th, 12:06 am
Simplyhealth chief executive Romana Adbin didn't let the lasting impact of polio hold her back.
Saturday, July 7th, 1:48 am
David Coulthard swapped the high-powered world of Formula 1 for a new career path in the media and business.

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 our 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.

We find Backhouse both conscientious, professional and great value for money delivering a first class claims service.

Paul Reyner, Fagan and Whalley