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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

12:00 am (5 hours ago)
Ten of Britain's busiest stations have seen more than half of all trains in 2018 delayed, research finds.
1:04 am (4 hours ago)
The billionaire businessman, who also owned the Seattle Seahawks NFL team, died in Seattle on Monday.
Yesterday 6:14 pm (11 hours ago)
The car giant's European boss says a no-deal Brexit could affect Ford's UK investment plans.
Yesterday 5:12 pm (12 hours ago)
The accessories chain is reported to be talking to restructuring firms about "a number of options".
Yesterday 2:19 pm (15 hours ago)
GoCompare wants you to let it choose your energy supplier forever, but can it really find the best deal?
Yesterday 2:27 pm (15 hours ago)
The American retail giant has been struggling with huge debts and a shift to shopping online.
Yesterday 10:00 am (19 hours ago)
Businessman and Dragons' Den star Theo Paphitis credits dyslexia for giving him an "advantage".
Yesterday 10:29 am (19 hours ago)
The UK-led supersonic car project goes into administration. There are just weeks to save the venture.
Yesterday 9:54 am (19 hours ago)
Jamie Dimon is latest executive to distance themselves from Riyadh after a journalist's disappearance.
Yesterday 3:09 pm (14 hours ago)
Theresa May faces MPs as UK and EU fail to resolve the Irish border issue ahead of a crucial summit.
Yesterday 1:05 pm (16 hours ago)
Gatwick Airport says its emergency runway could be used "routinely" as part of future growth plans.
Yesterday 10:48 am (18 hours ago)
The US president says he accepts the climate is changing but does not want to "lose millions of jobs".
Yesterday 3:34 pm (14 hours ago)
Businessman and former Dragons' Den star Theo Paphitis has credited dyslexia for his success.
Yesterday 9:54 am (19 hours ago)
The decline of the former US shopping industry titan resulted in filing for bankruptcy.
Yesterday, 12:05 am
"Women tend to be their own worst critics," says co-founder Sarah Cornish.
Friday, October 12th, 8:17 am
The chancellor says the pace is picking up on Brexit talks and a deal could lift the economy.
Thursday, October 11th, 11:47 am
All you need to know about the FTSE 100.
Wednesday, October 10th, 12:52 pm
The island of Jersey has completed the rollout of full-fibre internet to 40,000 homes and businesses.
Wednesday, October 10th, 12:04 am
Mariya Gancheva, a successful but "burned out" City of London banker, turned to yoga to successfully reduce her stress levels.
Tuesday, October 9th, 1:08 pm
Actress Gwyneth Paltrow responds to criticism of her controversial lifestyle brand, Goop.
Sunday, October 14th, 2:27 am
Four "ganjapreneurs" in Canada give their take on legalised cannabis.
Yesterday 9:02 am (20 hours ago)
Harsha Lobo suffered a fracture and other injuries and has been taken to a hospital.
12:08 am (5 hours ago)
Whatever happened to the simple handshake at work? asks author Alison Green.
12:08 am (5 hours ago)
Ships are the lifeblood of global trade, but their fuel is highly polluting. What's the answer?
Yesterday, 12:04 am
The plight of refugees fleeing war inspired Scottish businessman Charlie MacGregor to set up a charity to try to help.
Friday, October 12th, 9:55 pm
The unseen financial influence of the "Oscars of the restaurant industry".
Friday, October 12th, 12:24 am
Drones flying where they shouldn't has become a big problem, so how can we stop them?
Friday, October 12th, 9:55 pm
Joining would require the North to open up about its economy, but human rights are unlikely to be an issue.
Friday, October 12th, 6:19 am
As the UK's celebrates National Album Day, Spotify says albums "can still be absolutely monumental".
Thursday, October 11th, 12:03 am
Inside the US, the fight over Trump's tariffs is just getting started.
Thursday, October 11th, 12:07 am
Internet connectivity over light waves could help 5G mobile extend into buildings and underground.
Wednesday, October 10th, 12:00 am
A growing number of tech analysts are predicting that in less than 20 years we'll all have stopped owning cars.
Wednesday, October 10th, 12:00 am
How do scientists in the Antarctic minimise the waste generated by their research stations?
Wednesday, October 10th, 10:32 am
An entrepreneur who wants to speak out on World Mental Health Day.
Wednesday, October 10th, 12:35 am
A UK university is to appoint staff jointly with a German university to keep access to EU research.


An investigation found an explosion resulted from a screw connection to an autoclave locking ring which secured a door to a machine.


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


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.


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.


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.


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.


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.


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