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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>

11:15 am (32 minutes ago)
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12:00 am (12 hours ago)
A record number of investments were made by foreign firms in the UK in the year to April 2016, according to a report from the Department for International Trade.
12:00 am (12 hours ago)
More than a third of 18 to 24-year-olds have debts of almost £3,000 and experience significant concerns about their finances, a survey finds.
10:41 am (an hour ago)
The number of mortgages being approved by banks and building societies is at its lowest for a year and a half, according to Bank of England figures
9:59 am (an hour ago)
The deadly collapse of a dam at the Samarco mine in Brazil was due to design and drainage flaws, according to a report by joint owners BHP Billiton and Vale.
9:20 am (2 hours ago)
Japan's unemployment rate has fallen to its lowest for 21 years, despite the country's stagnant economy.
6:51 am (5 hours ago)
Cadbury's owner Mondelez International is abandoning its takeover bid for American confectioner Hershey after its $23bn (£18bn) offer was rejected.
10:58 am (48 minutes ago)
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2:46 am (9 hours ago)
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Yesterday 4:58 pm (19 hours ago)
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4:38 am (7 hours ago)
A New Zealand judge allows internet entrepreneur Kim Dotcom to livestream his appeal against extradition to the US on YouTube.
Yesterday, 10:03 am
The number of people out shopping in the UK on Saturday and Sunday fell by 4.1% compared with last year's August bank holiday weekend, retail researchers say.
Yesterday 10:11 pm (14 hours ago)
Yale graduate students who work as teaching and research assistants file paperwork to form a union.
Yesterday, 9:46 am
China launches its first aircraft-engine manufacturer in an attempt to wean itself off Western suppliers and become a global aviation power.
Yesterday, 10:15 am
Turbines installed off the coast of Shetland could herald a "new era" in tidal energy, according to the company running the project.
9:22 am (2 hours ago)
Nobel Prize winner Joseph Stiglitz praises the EU on Apple's tax bill
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Yesterday, 1:50 am
Indian lesbian romance film 'The Other Love Story' takes on a taboo topic and turns to the internet for funding.
Yesterday, 12:00 am
Lavanya Nalli tells the story of her family's sari business in Chennai - and her ambitions for its expansion.
Sunday, August 28th, 8:09 am
The last BHS stores are set to close for the final time after 88 years on the high Street. Joe Lynam reports.
Sunday, August 28th, 6:01 am
Nathan Blecharczyk, one of the co-founders of Airbnb, offers the business advice he wishes he had been given when he started out.
Friday, August 26th, 10:36 am
James Davidson, co-founder of pet food company Tails.com, talks to Business Live - but his dog Monty steals the show.
Friday, August 26th, 9:52 pm
Despite the often frustrating employment situation for young Botswanans, one young entrepreneur is ploughing ahead while remaining thoroughly rooted in his community.
Yesterday, 11:31 am
Chinese audiences are complaining that a 3D version of the latest Bourne movie is causing headaches and nausea.
Yesterday, 8:07 am
Beyonce was the big winner at Sunday night's MTV VMAs in New York.
12:00 am (12 hours ago)
After a year of asking CEOs to reveal their advice for success, BBC News looks at the role of gender in business mentoring.
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The latest assistive technologies are enabling people with disabilities to be more active and compete at the highest level.
Yesterday 1:07 pm (23 hours ago)
Germany's economy minister claims that talks about the TTIP trade deal have failed highlight the uphill battle that negotiators are facing.
Yesterday, 12:00 am
How Indian entrepreneur Lavanya Nalli is leading the modernisation of her family's 88-year-old clothing company, while still holding on to its decades of tradition.
Sunday, August 28th, 8:17 pm
Empty rails and closing signs as a stalwart of the British High Street says its final farewell.
Friday, August 26th, 9:52 pm
As designer handbags receive record prices at auction, women are increasingly taking them to pawn shops to borrow money against them.
Friday, August 26th, 12:09 am
As the last BHS stores close this weekend, bringing to an end nearly 90 years of retail history, Emma Simpson looks at what the closures will mean for our High Streets.
Friday, August 26th, 12:12 am
As the number of people living in cities rise, lower income residents are being pushed farther out to areas with fewer resources.
Friday, August 26th, 12:23 am
As chat apps achieve colossal valuations and more keep coming onto the market, are we reaching chat saturation point?
Friday, August 26th, 2:28 am
Twenty years ago, the US overhauled its cash welfare system - the portion of US assistance that is offered to poor families as a direct payment. But how does this system compare to other high-income countries?
Thursday, August 25th, 12:16 am
A look at the growing number of businesses who are trying to make a positive difference to society by speaking out on societal or political issues, and their reasons for doing so.
Thursday, August 25th, 12:07 am
Successful bosses often boast of how little they sleep, but is sleeping more better for your career?
Wednesday, August 24th, 3:02 pm
Jeremy Corbyn has brought the issue of overcrowded trains into the spotlight again, but why are our trains so busy and just how bad is the problem?
Wednesday, August 24th, 12:03 am
The sporting goods giants of Nike and Adidas are both looking to sell their golf club businesses. The BBC looks at what some of the reasons may be.

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.

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