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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 11:28 am (13 hours ago)
Uncertainty over an independent Scotland's currency could lead to "capital flight" from the country, the chairman of HSBC claims.
Yesterday 3:55 pm (9 hours ago)
US Federal Reserve chair Janet Yellen says there is still "remaining slack in the labour market".
Yesterday 11:33 am (13 hours ago)
The troubled Co-operative Bank cuts its pre-tax losses in the first half of the year, and cuts staff numbers by 13%.
Yesterday 9:00 am (16 hours ago)
EDF Energy is ordered to pay £3m after an Ofgem probe into the way the firm handled customer complaints, the last of the "big six" to make such a payment.
Yesterday 9:03 am (16 hours ago)
The London Stock Exchange is raising £938m in a shareholders rights issue to help fund a £1.6bn US acquisition.
Yesterday, 12:32 am
Argentina's plan to ask investors holding defaulted bonds to swap them for new locally issued debt is ruled "illegal" by a US court.
Yesterday 4:12 pm (8 hours ago)
Administrators consider three bids for Ferguson Shipbuilders in Port Glasgow, which went bust last week.
Yesterday 2:17 am (22 hours ago)
US clothing store Gap is bringing its brand to India with the aim of opening 40 outlets, and will launch the first two stores early next year.
Thursday, 4:29 pm
Bank of America agrees to pay a record $16.7bn (£10bn) to US authorities for selling toxic mortgage loans that helped trigger the financial crisis.
Thursday, 1:55 pm
Russia's main consumer watchdog announces unscheduled checks on a number of McDonald's restaurants as part of an investigation into food standards.
Thursday, 12:25 pm
Anyone wanting to buy a powerful vacuum cleaner has only 10 days left to be certain of getting one - following new EU rules that come in next month.
Thursday, 4:47 pm
Bank of Scotland says it will appeal against a Belfast High Court judgement that ruled it had unfairly double billed customers who fell behind on their mortgages.
Thursday, 11:00 am
UK retail sales rise by 2.6% in July, up just 0.1% from June, figures from Office for National Statistics show.
Yesterday 1:12 pm (11 hours ago)
Hundreds - possibly thousands - of students across the UK are falling victim to an expensive mobile phone scam, according to police.
Thursday, 12:03 am
Data gathered by donation site JustGiving has revealed what it says is the UK's most generous town, based on donations to its website.
Thursday, 12:46 pm
Four fraudsters behind a sophisticated bank card scam involving a "dizzying array of gadgets" are jailed by a judge at the Old Bailey.
Wednesday, 11:09 am
A total of £19.1bn is advanced to homebuyers in July, the Council of Mortgage Lenders says, amid warnings that the property market may face headwinds.
Wednesday, 4:06 pm
The number of workers categorised as self-employed has risen to its highest in 40 years, according to the Office for National Statistics (ONS).
Thursday, 1:32 pm
Eurozone business growth slows in August, weighed down by sluggish French and German economies.
Thursday, 11:40 am
Government finances show an unexpected deficit in July for the second year running, according to figures from the Office for National Statistics.
Wednesday, 11:19 am
Two out of nine members of the Bank of England's Monetary Policy Committee voted to raise interest rates earlier this month, the first time in three years that policymakers have done so.
Tuesday, 12:11 am
One man's quest to bring artisan beer to the island of Mauritius.
Sunday, August 17th, 8:10 pm
The BBC's Phil Mercer meets Matt Grainger, who has succeeded in combining his hobby with earning a living, by starting a surf business on Manly Beach in Sydney, Australia.
Wednesday, August 13th, 10:58 pm
The US retail market is a tough nut to crack, but there are a number of small UK firms who have managed to succeed in America.
Thursday, 2:24 pm
Aston Villa name Tom Fox as the Premier League club's new chief executive, replacing Paul Faulkner, who left in July.
Thursday, 11:38 am
The 2014 Commonwealth Games athletics track at Hampden Park is to be lifted and moved to Grangemouth Stadium.
Thursday, 12:32 pm
Coventry City are to return to the Ricoh Arena after agreeing a two-year deal with the company that runs the stadium.
Yesterday 4:20 pm (8 hours ago)
Lerato Mbele reports on whether South Africa will fall back into recession, ahead of the release of the country's latest GDP figures.
Yesterday 9:51 am (15 hours ago)
Passengers should try to use the UK's smaller airports for a better holiday experience, a survey has suggested.
Yesterday 8:04 am (16 hours ago)
BBC Breakfast asked Manchester shopper on their thoughts on supermarket clothing as Lidl prepare to launch a women's clothing line
Yesterday 10:11 am (14 hours ago)
Russian EU food sanctions hit just before the Polish apple crop harvests leaving farmers with a glut of unsold fruit.
Yesterday 10:21 am (14 hours ago)
President Nicolas Maduro of Venezuela has announced a mandatory fingerprinting system in supermarkets to combat food shortages and smuggling.
Thursday, 1:04 pm
Moscow correspondent Steven Rosenberg looks at the closure of a number of McDonald's restaurants in Russia.
Yesterday, 12:02 am
Nadir Godrej, a top executive at one of India's biggest businesses, turns to poetry to describe the challenges facing India's economy.
Yesterday 2:22 am (22 hours ago)
Pakistan is trying to take advantage of the gap in the mango market created by the EU's ban on Indian imports.
Yesterday, 12:00 am
What pinpointing positions on the planet could mean for you
Yesterday 9:53 pm (3 hours ago)
How to reduce those extra costs of a day trip
Yesterday, 12:01 am
High hopes for the equestrian world games
Yesterday, 12:02 am
Water bills are rising for heavy users
Yesterday, 12:01 am
Russian ban starts to bite for Poland's apple growers
Thursday, 12:03 am
Ebola crisis has serious financial effect on West Africa
Thursday, 12:03 am
Shopkeepers in Rome deal with reality of endless economic crisis
Wednesday, 12:00 am
The man who says he's responsible for a million kids
Wednesday, 8:01 pm
Myanmar's young tourism bosses confident about the future

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