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Private Client

We are experts in our field built through providing quality service to our clients for over 75 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>

Friday, 8:21 pm
Oil prices surged as much as 12% on Friday after fresh suggestions that Opec nations were set to cut oil production.
Friday, 5:46 pm
The founder of Superdry, Julian Dunkerton, sells just under £50m worth of shares to fund his divorce.
Friday, 4:42 pm
Shares in aero engine giant Rolls-Royce climbed 14% on Friday despite a 50% dividend cut and profits at the lower end of forecasts.
Friday, 11:45 am
First-time buyers in England who purchase a house this year will already have spent an average of £52,900 on rent, research for a landlords' trade body suggests.
Friday, 3:17 pm
Deutsche Bank announces that it is to buy back more than $5bn (£3.5bn) of its own debt.
Friday, 6:01 pm
The Independent and Independent on Sunday newspapers are to cease print editions in March, leaving an online-only edition, their owner says.
Friday, 3:10 pm
The chief executive of Royal Bank of Scotland tells BBC Newsnight he believes the UK financial sector would be better off inside the European Union.
Friday, 4:57 pm
London's leading share index closes 3.06% higher, rallying after Thursday's big losses.
Friday, 4:48 pm
A website that accused Google of abusing its "dominant position" in the online search market by "driving traffic" to Google Maps has lost its High Court action.
Friday, 8:42 am
The pharmaceutical firm GlaxoSmithKline (GSK) and some generic drugs firms have been fined for being anti-competitive.
Friday, 9:25 am
Companies that fail to address pay differences between male and female employees will be highlighted in new league tables.
Friday, 11:25 am
The European Commission is opening three investigations into steel products made in China as cheap imports add to the woes of the UK steel industry.
Friday, 8:40 am
When does a "special offer" or "cheap" deal get in the way of a real bargain? You've been sending in your best examples.
Friday, 4:18 pm
A Spanish civil servant is fined after not going to work for at least six years, which was only noticed when he became eligible for a long service award.
Yesterday 9:03 am (23 hours ago)
Many younger families in the UK are being priced out of the property market.
Friday, 4:45 pm
How life is getting harder in Zambia's copper mining towns.
Friday, 4:43 pm
The latest technology is finding uses in some of the world's biggest mines.
Friday, 12:54 pm
Bill Gates, Steve Jobs and Mark Zuckerberg all made fortunes despite being college dropouts. So why bother with the time and cost of a business degree if you can make it without one?
Friday, 11:53 am
The BBC's Sameer Hashmi finds out why India's circuses are struggling.
Friday, 11:52 am
Colm O'Regan looks at the race to design technology with security in mind.
Friday, 10:14 am
Thousands of owners are waiting for their tumble dryers to be repaired following a major product alert by Whirlpool.
Thursday, 11:17 pm
BBC's Allan Little considers how Britain's trading history with its European neighbours has shaped what has proved a controversial political relationship.
Friday, 12:08 pm
Is Google finding it difficult to stick to its principles?
Thursday, 9:42 pm
The apps aiming to shake up grocery shopping in South America
Friday, 11:15 am
Is Germany dragging down the eurozone?
Thursday, 1:47 pm
Is it becoming harder for international firms to avoid tax?
Thursday, 12:01 am
The young entrepreneurs helping to rebuild their country
Wednesday, 12:06 am
How Iceland cleaned up its banks
Wednesday, 12:12 am
Norway seeks to diversify its economy as oil earnings plunge
Wednesday, 10:57 am
Migrant children 'may be the highest achievers'
Tuesday, 8:35 am
Why expats are handing back their passports

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.

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