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Private Client

We are experts in our field built through providing quality service to our clients for 80 years with a passion for the finer things in life. Backhouse Insurance can offer a bespoke, personal and confidential service to ensure your valuables, and your lifestyle, are protected.

Our first priority is to develop a clear understanding of your expectations and risk tolerance levels. After identifying your personal risk exposures, we tailor an insurance risk management program to meet your needs.

Once a program is in place, we continue to handle all related administration, confirming all coverage and change requests at a time convenient for you. We oversee any claims through final settlement, and review, analyse, and recommend any adjustments to your insurance program on an ongoing basis. At Backhouse, our team is committed to servicing your individual needs, professionally and expeditiously, while always exceeding your expectations.

For more information please contact a member of a team on 01282 677776.

To view our Private Client Brochure please click here>

12:00 am (5 hours ago)
A "relatively benign" rise in interest rates still has the potential to double the number of households facing debt problems, a think tank has said.
Yesterday 11:21 pm (6 hours ago)
Social networking firm, Facebook has reported that profits more than doubled in its second quarter on a jump in advertising revenue.
2:18 am (3 hours ago)
General Motors is recalling an additional 717,949 vehicles due to a range of issues, including loose bolts and potentially incomplete welding on some seat hooks.
Yesterday 8:56 pm (8 hours ago)
Arrests are made in the UK, US, Canada and Spain after a scam involving e-tickets for Elton John concerts and other shows sold via Stubhub.
3:34 am (an hour ago)
China's manufacturing activity grows at its fastest pace in 18 months in July, an initial survey by HSBC shows, the latest sign that its economy may be stabilising.
12:11 am (5 hours ago)
Eighteen websites have been suspended and arrests made during a campaign, being revamped on Thursday, against pensions cash "predators".
Yesterday 9:25 pm (8 hours ago)
The suspension of US and European airline flights to Israel's Ben Gurion airport after a nearby rocket attack has been extended for a second day.
Yesterday 11:23 am (18 hours ago)
Bank of England minutes show officials are still wary over raising interest rates while the Institute of Directors believes the Bank is being too cautious.
Yesterday 7:39 pm (9 hours ago)
The IMF is lowering its forecast for US economic growth to a "disappointing" 1.7%, the second downgrade this year.
Yesterday 12:38 pm (16 hours ago)
A growing proportion of young people have been squeezed out of the housing market in England and are renting privately instead, a report suggests.
Yesterday 6:47 pm (10 hours ago)
Shares in snacks and drinks giant Pepsico trade close to record levels after the company reports positive results.
Yesterday 3:35 pm (13 hours ago)
GlaxoSmithKline shares fall 6% as the drugs company's profits are hit by a slide in sales and a bribery investigation in China.
Yesterday 3:30 pm (14 hours ago)
US aerospace giant Boeing earnings rise 52%, boosted by a "strong" quarter for commercial aircraft sales.
Yesterday 11:07 am (18 hours ago)
Online payments firm PayPal is to advance cash to UK small businesses from the early autumn as an alternative to traditional loans, the company has announced.
Yesterday 9:50 am (19 hours ago)
Safety assessments for risky air routes are "not good enough", the British Airline Pilots Association says.
Yesterday 5:27 pm (12 hours ago)
David Cameron vows to examine outstanding licences for the sale of arms to Russia after claims by MPs that they could breach the terms of an embargo.
Tuesday, 10:16 pm
Apple reports quarterly profits of $7.75bn up 12%, helped by strong sales of its iPhone.
Yesterday 4:05 pm (13 hours ago)
Hedge fund manager Bill Ackman fails to land his promised "death blow" on diet shake company, Herbalife.
Tuesday, 4:16 pm
The number of people taking their holidays in Spain reaches record levels, according to the country's tourism ministry.
Yesterday 8:29 am (21 hours ago)
Parts of the disability benefits system require a "fundamental redesign" because flaws in the process are so "grave", a group of MPs says.
Tuesday, 4:04 pm
People who delay taking their state pension from 2016 will gain less financial benefit than under current rules, the government proposes.
Tuesday, 10:51 am
UK property sales in June hit their joint highest monthly total since the financial crisis began, figures show, but sales among young adults are low.
Tuesday, 8:23 pm
A US judge orders Argentina and its creditors to meet "continuously" to avoid the nation defaulting on its debts later this month.
Tuesday, 4:28 pm
Midwives, nurses and ambulance workers are among more than 400,000 NHS workers in England being balloted on industrial action, including strikes, over pay.
Tuesday, 1:44 am
Chinese President Xi Jinping has signed an oil deal with Venezuela, as part of a four-day tour of Latin America.
Monday, 5:24 am
Akubra has been run by one family for five generations and their handsome felt hats, which are made with rabbit fur, are very much a part of Australia's national identity.
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Friday, July 18th, 12:21 am
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Wednesday, July 16th, 5:28 pm
Real Madrid has topped an annual Forbes list of the world's most valuable sports teams.
Monday, July 14th, 9:13 pm
Ray Whelan, the British boss of a World Cup hospitality firm, surrenders to a Brazilian judge amid a probe into alleged illegal ticket sales.
Monday, July 14th, 5:25 pm
Adidas will pay £75m a season to make Manchester United's kit for the next 10 years, after Nike ended its 13-year partnership.
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Rudy Kurniawan, who manufactured phony vintage wine in his kitchen, will be sentenced for fraud on Thursday.
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Facebook has reported a 138% jump in net income in the second quarter on booming advertising revenue.
Yesterday 6:49 am (22 hours ago)
Apple reports quarterly profits of $7.75bn up 12%, helped by strong sales of its iPhone.
Yesterday, 2:29 am
Saudi Arabia's stock market will open up to foreign investors for the first time.
Yesterday 6:56 am (22 hours ago)
The loss of Malaysia Airlines flight MH17 has raised questions over how flight paths are regulated.
Tuesday, 2:08 pm
Plans to set up Wales' first software university are being prepared by businesses concerned about a skill shortage in hi-tech industries. Simon Powell of Eysys describes his recruitment problems
Monday, 5:58 pm
Mark Lobel reports on foreign investors re-building ties with Iran in anticipation of an easing of trade restrictions on the country.
Monday, 5:30 pm
Brazilian Tallis Gomes explains how a failed attempt to hail a cab drove him to create smartphone app Easy Taxi.
12:00 am (5 hours ago)
The restaurants that love solo diners
Yesterday, 12:00 am
From living in an orphanage to a self-made millionaire
Tuesday, 3:13 pm
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Yesterday, 2:14 am
Models and conceptual drawings by famous car manufacturers
Yesterday, 12:00 am
How spartan were Spartans? Did the Trojans have a horse?
Monday, 11:43 pm
How drones may be used to fight wildlife poaching
Monday, 11:50 pm
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Tuesday, 12:32 pm
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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