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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 9:31 pm (7 hours ago)
Alibaba's shares closed significantly above their initial price on the New York Stock Exchange on Friday, a sign of the excitement surrounding the Chinese internet giant.
Yesterday 7:34 pm (9 hours ago)
Restructuring at the Phones 4U head office is resulting in 628 redundancies, but 887 jobs in stores will be preserved.
Yesterday 5:05 pm (12 hours ago)
Shares rise in London after Scotland rejects independence, as a rally in the pound fades.
Yesterday 4:53 pm (12 hours ago)
The Italian fashion house Prada reports a 20% fall in profit, hit by the strength of the euro and a fall in leather good sales.
Yesterday 11:28 am (17 hours ago)
China fines UK pharmaceuticals firm GlaxoSmithKline $490m (£297m) for bribery and its former head of Chinese operations is given a suspended jail sentence.
Yesterday 1:51 pm (15 hours ago)
Businesses speak of 'relief' over Scotland's rejection of independence, and banks say they will no longer be shifting operations out of Scotland.
Yesterday 9:30 pm (7 hours ago)
South Sudan's decision to order foreign workers to leave, reversed a day later, has rattled investors and neighbours.
Yesterday 3:57 pm (13 hours ago)
A subsidiary of global advertising giant WPP has acquired a majority stake in a Mongolian ad agency.
Yesterday, 12:14 am
Multi-billionaire Oracle boss Larry Ellison steps aside to focus on product engineering, as Mark Hurd and Safra Catz are named as co-chief executives.
Yesterday 12:12 pm (17 hours ago)
The cost of renting a home in England and Wales rose faster than inflation in the year to August, climbing 2.4%, according to a survey.
Thursday, 8:52 pm
Microsoft announces another 2,100 redundancies as part of a target to cut 18,000 jobs, about 14% of its workforce.
Thursday, 4:40 pm
A group of bondholders in the collapsed retail chain, Phones 4U, have failed in an 11th-hour plan to rescue the company.
Thursday, 10:03 am
Motorist organisation, the RAC, and the DVLA have clashed over the policing of car tax with claims of increased evasion amid changes to the system.
Thursday, 11:09 am
UK retail sales rose by 0.4% during August, helped by shoppers looking to snap up high-powered vacuum cleaners ahead of an EU ban on the products.
Thursday, 1:43 pm
A European Central Bank measure designed to stimulate the flagging eurozone economy has seen a low initial take-up by banks.
Thursday, 3:08 pm
Airlines are within their rights to charge a supplement to customers checking-in their luggage, a court rules.
Wednesday, 10:00 am
A total of 180,675 fraudulent applications for motor insurance were detected by the industry last year, a trade body says.
Tuesday, 4:45 pm
Chinese footwear firm Ultrasonic has announced the disappearance of its chief executive and chief operating officer, along with most of its cash.
Thursday, 3:31 pm
Six women are convicted of running a "pyramid scheme" in south-west England and south Wales in which thousands of people lost money.
Thursday, 11:04 am
Borrowers' appetite for home loans is "starting to wane" despite an annual rise in mortgage lending, a lenders' group says.
Wednesday, 12:06 am
Online bank First Direct has topped a customer service league compiled by consumer group Which?, with Npower ranked bottom.
Thursday, 3:03 pm
The Irish government upgrades growth forecasts for 2014 after the economy grew by a stronger-than-expected 1.5% in the April-to-June quarter.
Thursday, 4:59 pm
India and China sign 12 agreements, one of which will see China investing $20bn in India's infrastructure over five years.
Wednesday, 8:38 pm
The US Federal Reserve says it will raise interest rates once a "considerable time" has passed after its stimulus programme ends in October.
Wednesday, 12:28 am
A profile of Everett Alvarez, the former US Navy pilot, who spent eight and a half years as a prisoner of war in North Vietnam, before a successful career in government and business.
Tuesday, 12:01 am
Ivorian Coast entrepreneur Thierry N'Doufou talks about how he developed a tablet computer which he wants to be used by all school children in the country.
Sunday, September 14th, 8:02 pm
Singaporean businessman Kenny Yap says he aims to be the world's biggest tropical fish exporters: "I like being a big fish in a small pond," he tells the BBC.
Wednesday, 12:05 am
Hotel chain Radisson suspends its sponsorship of NFL team Minnesota Vikings after one of their players was charged with child abuse.
Friday, September 12th, 3:26 pm
US private investment company Cain Hoy Enterprises confirms it is considering a takeover offer for English Premier League club Tottenham Hotspur.
Wednesday, September 10th, 3:16 pm
Manchester United predicts profit and revenue to fall as a result of its failure to qualify for Champions League.
Yesterday 4:15 pm (13 hours ago)
Shares in Alibaba, the Chinese online retailer, have begun trading on the New York Stock Exchange.
Yesterday 10:03 am (19 hours ago)
The pound has hit a two-year high against the euro and a two-week high against the US dollar, as Scotland voted against independence.
Yesterday 12:40 pm (16 hours ago)
Despite a temporary slump in the market, Kenya's flower sector delivered $500m in sales in 2013.
Yesterday 5:13 pm (12 hours ago)
Pharmaceutical firm GlaxoSmithKline is fined $490m (£297m) after being found guilt of bribery by a Chinese court.
Thursday, 6:00 pm
The BBC's Shilpa Kannan meets Indian farmers to find out how they are changing the way they work, and to see the technology helping them cope with climate change.
Yesterday 11:17 am (18 hours ago)
One year after armed members of Islamist militant group al-Shabab attacked the Westgate shopping centre in Nairobi, Kenya, the BBC's Anne Soy reports on the new methods being used to train security guards.
Thursday, 1:24 pm
MP Damian Green has come to the defence of Lord Hill as British Candidate for European Commissioner, describing objections to his appointment as a "barrel-scraping argument".
Wednesday, 10:49 am
Work and Pensions Secretary Iain Duncan Smith has said the latest unemployment figures are "very encouraging".
Yesterday 2:00 pm (15 hours ago)
How 'No' vote will alter Scottish tax and benefits
Thursday, 10:41 pm
The man behind China's internet giant Alibaba
Yesterday, 1:11 am
Kenya's security sector grows in aftermath of Westgate attack
Thursday, 8:04 pm
India's farmers turn to tech to cope with climate change
Thursday, 12:03 am
What will Alibaba do with $25bn?
Thursday, 12:42 am
How will we shop in 2020?
Thursday, 12:20 am
The North American farmers who have started to plant wasabi

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