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Wholesale Insurance

Property Owners Insurance

An expertise both in commercial and residential property owners, we understand the sector and it's 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

11:36 am (4 minutes ago)
Analysts say the improvement in public finances could give the chancellor extra money for the Budget.
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The chain's new owners agree terms to keep the store on London's Oxford Street open.
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12:13 am (11 hours ago)
Just 6% of UK workers now work the traditional hours of 9am to 5pm, research suggests.
1:08 am (11 hours ago)
They were also less stressed compared to people working in cubicles or private offices, a US study found.
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Cyber-attacks on US political groups are stopped after Microsoft grabs key net domains, the company says.
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Citizens Advice says arrears on everyday bills total £18.9bn, but raises concerns on how this is pursued.
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The number of people crossing the border increases, as Venezuela tries to stabilise its economy.
7:40 am (4 hours ago)
The international trade secretary outlines post-Brexit aspirations - but businesses ask for help.
Yesterday 5:25 pm (18 hours ago)
The collapse of the US investment bank in 2008 was a crucial moment in the financial crisis.
Yesterday 9:38 pm (14 hours ago)
Analysts at JPMorgan Chase slash target price for shares in the electric car maker from $308 to $195.
Yesterday, 11:06 am
The co-founders of Look After My Bills are "delighted" after selling a 3% stake for £120,000.
Yesterday, 11:40 am
A backlash from investors prompts the UK's largest estate agency to cancel a new incentive package.
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President Donald Trump often celebrates America's buoyant economy, but one number seems stuck - real wages.
Yesterday 9:35 pm (14 hours ago)
The story of Greece in five numbers as it emerges from its eurozone bailout programme.
Yesterday, 12:20 am
As the first of her friends to become a mum, Michelle Kennedy didn't have a network of other mothers to share her experiences with.
Yesterday, 12:16 am
Global trade drives the world economy, but could rising tensions between the US and China threaten this?
Thursday, August 16th, 5:33 pm
For one day only, a certain fast-food chain gave one of its London branches a luxury makeover.
Thursday, August 16th, 12:14 am
A growing push to raise wages of service staff in the US could change the way Americans tip.
Thursday, August 16th, 1:33 am
A giant variety of avocado called the avozilla is attracting worldwide attention.
Monday, August 13th, 12:25 am
Electronics boss Simon Shen says firms should think how people may be living in 10 years' time.
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Yesterday, 12:17 am
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Sunday, August 19th, 1:05 am
How the internet is changing the UK's antiques trade and widening the auctions market.
Sunday, August 19th, 12:20 am
Politicians hail the end of Greece's emergency credit, but ordinary Greeks see little change.
Friday, August 17th, 12:20 am
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Thursday, August 16th, 12:10 am
As Chinese airlines launch more and more international flights, are they playing fair to attract passengers?
Wednesday, August 15th, 4:01 am
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Wednesday, August 15th, 4:29 am
A BBC map helps you find out how many public toilets have been cut in your area.
Tuesday, August 14th, 12:06 am
From battery-powered trucks to Formula E racing cars, electric vehicles are going mainstream around the world.
Tuesday, August 14th, 12:10 am
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Sunday, August 12th, 12:39 am
Will Brits be able to use their mobile phones in Europe after Brexit without paying extra?

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