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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>

11:00 am (an hour ago)
The UK economy grew by 0.6% in the three months to the end of June, as economic growth accelerated in the run-up to the vote to leave the EU.
11:59 am (27 minutes ago)
GlaxoSmithKline is to invest £275m into its UK manufacturing sites, saying the country remains "an attractive location" despite the Brexit vote.
11:34 am (52 minutes ago)
More than six million workers have now been signed up automatically to a pension savings scheme, but fears remain over how much is being set aside.
9:28 am (3 hours ago)
Air France-KLM warns there is "special concern about France as a destination" as recent terror attacks weighed on sales in the second quarter of the year.
8:21 am (4 hours ago)
ITV says it will need to cut costs to prepare for economic uncertainty sparked by the UK's decision to quit the EU.
8:18 am (4 hours ago)
Deutsche Bank warns further cost cutting might be needed as profits dive 98% in the second quarter amid low interest rates and volatile markets.
9:20 am (3 hours ago)
The FTSE 100 rises with results from ITV and housebuilder Taylor Wimpey helping to lift the index.
Yesterday 11:21 pm (13 hours ago)
Apple reports a second consecutive quarter of falling iPhone sales, but the 15% drop was not as bad as analysts had feared.
12:08 pm (18 minutes ago)
A £344 million expansion programme at London City Airport is given the go-ahead by ministers.
2:20 am (10 hours ago)
Shareholders at French energy giant EDF approve a plan to issue new shares to raise €4bn to help pay for the new nuclear plant at Hinkley Point.
Yesterday 4:03 pm (20 hours ago)
Brewing giant AB InBev has raised its offer for rival SABMiller after the fall in the value of the pound made its original offer less attractive.
Yesterday 10:58 pm (13 hours ago)
Twitter has reported its slowest quarterly sales growth in three years, as the company fends off competition from a growing number of social media sites.
Yesterday, 12:01 am
Drones delivering our shopping could become a reality across Britain, says the BBC's Transport correspondent Richard Westcott.
Yesterday 5:06 pm (19 hours ago)
The journalist Sarfraz Manzoor mourns the end of the VHS video recorder.
Yesterday 11:01 pm (13 hours ago)
For young people from poorer backgrounds trying to get work, it's often a case of who you know more than what you know, according to new research.
Yesterday, 2:07 am
General Motors puts on hold a planned $1bn (£800m) investment in India, as it reassesses its strategy in the country.
Yesterday, 12:13 am
How you dress can influence how people perceive you, but what should you be wearing to the office?
Sunday, July 24th, 11:51 pm
Former BHS owner Sir Philip Green should sign a "whacking huge cheque" to cover the hole in the BHS' pension scheme, Work and pensions committee chairman Frank Field tells the BBC.
Monday, 6:41 am
Even with Chinese foreign investment on the increase, the decision by one entrepreneur to invest £1bn ($1.3bn) in the northern English city of Sheffield is remarkable.
Thursday, July 21st, 3:06 pm
The last videocassette recorder (VCR) in Japan is to be produced by the end of the month, according to the Nikkei newspaper.
12:05 am (12 hours ago)
There is no shortage of companies blaming Brexit for their bad news these days - from job losses to price rises - but is this just a handy excuse?
1:03 am (11 hours ago)
Every day hundreds of thousands of Britons put their coffee cup into a recycling bin. They're wrong - those cups aren't recyclable.
12:03 am (12 hours ago)
The Trans-Pacific Partnership is one of the most ambitious free trade agreements ever signed. But why does it matter?
12:06 pm (20 minutes ago)
There are strong social divisions in how young people use digital technology at home, according to international research from the OECD.
Yesterday, 12:13 am
Could sticking to the traditional suit at work hamper your career?
Yesterday, 12:05 am
The interconnectivity of people on social media means it is a perfect hunting ground for cybercriminals looking to do harm.
Yesterday, 12:02 am
The UK government's getting together with the retail giant Amazon, to start testing flying drones that can deliver parcels to your door.
Monday, 12:09 am
Whether your children are problems or prodigies, is it damaging to your career to talk about them too much in the workplace?
Monday, 12:13 am
How Gerry Cottle Jr went from being a trapeze artist in his dad's circus to setting up a popular rooftop cinema business.
Friday, July 22nd, 10:08 pm
What will Brexit mean for small towns in Poland that have seen their populations shrink as people left to live and work elsewhere in the EU?
Friday, July 22nd, 3:02 pm
The sister of missing Malaysia Airlines captain Zaharie Shah tells the BBC about her brother's disappearance, and why the story of MH370 must live on.
Friday, July 22nd, 12:09 am
As publishers struggle to attract eyeballs in the face of increasing competition from online content, can artificial intelligence help them?
Thursday, July 21st, 12:23 am
A look at the booming private security industry in the Central American country of Guatemala, where an average of 13 murders are committed every day.
Thursday, July 21st, 12:10 am
Three years have passed since Yahoo bought micro-blogging site Tumblr, but it is not the goldmine it once hoped.
Wednesday, July 20th, 1:24 pm
A lower cost base and partnerships with western universities is helping South Africa to develop online courses for students around the world.
Tuesday, July 19th, 1:31 am
Could F1 and aeronautical tech help Sir Ben Ainslie's 'flying' catamaran win the America's Cup?
Tuesday, July 19th, 12:10 am
Australia has been described as "the lucky country", but is it entrepreneurial spirit or abundant resources that has driven its success?
Tuesday, July 19th, 12:05 am
Google has made headlines for its forays into healthcare but what is its ultimate goal?
Tuesday, July 19th, 3:41 am
The former Chancellor George Osborne peppered media interviews with references to the "Northern Powerhouse" but what's next for the project since his departure?
Friday, July 15th, 12:02 am
Technology that makes audiences feel like they are in the movie, rather than just watching it, is helping cinemas sell more tickets at higher prices.
Monday, July 18th, 4:24 pm
ARM's technology is at the heart of millions of smartphones and tablets - but the company's inventions are used wider still.
Sunday, July 17th, 10:22 pm
A profile of Asian businessman Chatri Sityodtong who made his fortune on Wall Street before setting up fast-growing televised martial arts tournament., One Championship.
Friday, July 15th, 10:19 pm
Food, clothing and electrical items are likely to rise in price as a result of Brexit - but bills may not go up until next year
Thursday, July 14th, 4:28 pm
It's early days for Pokemon Go, but some believe the app marks a turning point in mobile video games.

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