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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>

Yesterday 11:00 pm (9 hours ago)
Barclays Bank sells Spanish businesses for £633m to the country's third largest lender CaixaBank.
7:43 am (44 minutes ago)
A single, larger hub airport where passengers can transfer to a range of destinations - is "critical" to the UK's long-term economic growth, says the CBI.
3:13 am (5 hours ago)
China's manufacturing activity misses expectations in August, indicating that the country's economy may be losing momentum.
Yesterday 2:58 pm (17 hours ago)
Most British businesses want the UK to renegotiate its relationship with the EU, according to a British Chambers of Commerce survey.
Saturday, August 30th, 6:56 pm
Members of the troubled Co-operative Group vote overwhelmingly in favour of reforming how the business is run.
Saturday, August 30th, 4:01 am
Housing experts are calling for minimum standards in the private rental market to prevent landlords from exploiting vulnerable tenants.
Friday, August 29th, 4:09 pm
Banks and card companies will reopen 2.5 million PPI mis-selling complaints amid claims of underpayment and rejection of compensation.
Friday, August 29th, 4:59 pm
The Russian rouble falls to a record low against the dollar as investors fear further sanctions against the nation.
Friday, August 29th, 4:50 pm
Shares in the struggling supermarket Tesco fall to an 11-year low after the group cut its profit forecast and dividend.
Friday, August 29th, 5:52 pm
India's economy grew by 5.7% in the three months to June, its fastest pace in two-and-a-half years, according to an official estimate.
Friday, August 29th, 11:08 pm
The International Monetary Fund reaffirms its support for its leader Christine Lagarde despite her being investigated in a high-profile case in France.
Friday, August 29th, 11:31 am
Malaysia Airlines is to cut 6,000 staff as part of recovery plan after being hit by two air disasters this year.
Friday, August 29th, 10:52 am
Household water bills in England and Wales will go up less than the rising cost of living in the next five years, under proposals from regulator Ofwat.
Friday, August 29th, 11:21 am
House prices edged up by 0.8% in August, the Nationwide says, while the Land Registry reveals a big annual increase in London.
Friday, August 29th, 2:54 pm
A contraction of 0.6% in Brazil's economy between April and June, and a revision of the first quarter, places the country in recession, latest figures show.
Friday, August 29th, 11:53 am
The eurozone inflation rate falls to 0.3% in August, near a five-year low, adding to fears of a deflationary spiral in the region.
12:01 am (8 hours ago)
High-powered hairdryers are on a list of household electrical items the EU is considering banning in an attempt to curb energy consumption.
Thursday, August 28th, 10:10 am
Drivers will have to cut out their own vehicle tax discs during the death throes of the paper system, because the DVLA has run out of perforated paper.
Thursday, August 28th, 1:35 pm
Lending to small and medium-sized businesses via the government's Funding for Lending scheme (FLS) fell again in the second quarter of the year.
Thursday, August 28th, 11:41 am
Profit margins of large energy suppliers will be lower over the coming year compared with previous estimates, says the regulator Ofgem.
Thursday, August 28th, 2:05 pm
The majority of women working part-time earn less than the minimum wage, according to the TUC.
Friday, August 29th, 5:11 am
Japan's economy shows signs of stagnation and weakness as households spent less and factory output stays flat in July.
Friday, August 29th, 1:22 pm
Russia sees a risk that winter gas shortages could force Ukraine to divert supplies of Russian gas meant for EU customers.
Thursday, August 28th, 3:40 pm
The US economy grew at annual pace of 4.2% in the second quarter, revised official figures show, faster than the previous estimate of 4%.
Thursday, August 28th, 10:57 am
With the European Union ending import tariffs on Georgian products from 1 September, the country's winemakers and farmers are hopeful of increasing their exports to the EU.
Wednesday, August 27th, 12:01 am
A profile of Walid Sultan Midani, the founder of Tunisia's first video game development company, and his plans for global success.
Tuesday, August 26th, 12:02 am
Entrepreneurs are trying to find ways to collect rubbish in Mali's capital city Bamako but they have nowhere to process it.
Friday, August 29th, 7:56 am
Rangers make new shares available to current shareholders and admit poor uptake could hinder payments to creditors.
Monday, August 25th, 12:03 pm
England's top female rugby players will be paid for the first time as the Women's Sevens squad turns professional.
Thursday, August 21st, 2:24 pm
Aston Villa name Tom Fox as the Premier League club's new chief executive, replacing Paul Faulkner, who left in July.
Yesterday 8:23 pm (12 hours ago)
Smile please, but hold your breath
12:02 am (8 hours ago)
How do you safely scrap an 'old lady'?
Friday, August 29th, 10:16 pm
How your landlord could soon be a corporate brand
Saturday, August 30th, 3:37 am
What's it like living in a substandard home?
Friday, August 29th, 1:38 pm
What industry learned from World War One
Yesterday, 4:45 am
Five ways a Scotland currency change could affect rest of UK
Friday, August 29th, 4:12 pm
Tesco, mortgage misdemeanours and cats in the business news
Friday, August 29th, 11:33 am
What new technologies can reliably establish our identities?
Wednesday, August 27th, 6:53 pm
Can Qantas fix its financial troubles?

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