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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>

10:35 am (4 hours ago)
The UK's key service sector grew at its fastest pace since January last month, according to a closely watched survey.
11:44 am (3 hours ago)
Financial markets rebound after initial falls following Italian Prime Minister Matteo Renzi's heavy defeat in Sunday's referendum.
9:51 am (5 hours ago)
Households with fire-prone tumble dryers still face "unacceptable" delays for repairs, a consumer group says.
9:37 am (5 hours ago)
Royal Bank of Scotland has reached a deal with three of five shareholder groups who allege they were misled over the bank's £12bn fund raising in 2008.
12:04 am (14 hours ago)
The number of agency workers is set to reach one million by 2020, the Resolution Foundation says.
12:01 am (14 hours ago)
Debt concerns at Christmas can be alleviated by seeking advice before the bills come in, a charity suggests.
11:31 am (3 hours ago)
US President-elect Donald Trump tweets criticism of China's monetary and South China Sea policies.
5:11 am (9 hours ago)
A unit of Li Ka-shing's conglomerate has made a $5.4bn takeover offer for Australian energy firm Duet Group.
5:15 am (9 hours ago)
Cross-border share trading between Shenzhen and Hong Kong gets underway after a one-year delay.
12:37 pm (an hour ago)
UK shares rise, as European markets shrug off the result from Italy's referendum.
Yesterday 3:50 pm (23 hours ago)
Supermarket Iceland says talks with the Icelandic government over a trademark dispute have failed.
Yesterday, 9:53 am
Apple acknowledges plans to develop self-driving car tech for the first time in a letter to US transport regulators.
Yesterday 5:37 pm (21 hours ago)
Venezuela is issuing higher-value notes to help alleviate the problem of soaring inflation.
Yesterday 10:11 pm (16 hours ago)
China's tech giants are backing sophisticated bike hire as a solution to the country's congested roads.
Saturday, December 3rd, 12:46 am
BBC News visits a travel company using DNA testing to challenge its own workplace culture.
Yesterday, 8:10 am
Langley Steinert, the co-founder of TripAdvisor, shares the business advice he has learned.
1:54 am (13 hours ago)
A link between the Shenzhen and Hong Kong stock exchanges starts up.
Yesterday 11:34 pm (15 hours ago)
Rural Indians are being forced to barter for groceries after the government withdrew larger banknotes.
Yesterday, 12:49 am
The plastic credit card is being replaced by invisible payments, the boss of Barclaycard says.
Yesterday, 12:48 am
Israella Kafui-Mansu gives the BBC a guided tour of her organic beauty business.
Friday, December 2nd, 11:46 am
With rules on children's car seats set to change next year, Richard Westcott visits a facility for conducting tests.
Friday, December 2nd, 5:57 am
Chanel says it will leave a historic French perfume site if plans for a high-speed train line go ahead.
11:58 am (2 hours ago)
Italy's struggling banks now face added uncertainty after Prime Minister Matteo Renzi's heavy referendum defeat.
12:03 am (14 hours ago)
How Chris Gardner went from sleeping rough with his young son on the floor of a public toilet to the life of a multi-millionaire investor.
11:09 am (3 hours ago)
Were the official GDP forecasts from the Office for Budget Responsibility too gloomy?
Yesterday, 12:49 am
The boss of Barclaycard says the plastic credit card is being replaced with new technology, so soon we will need nothing to make a payment.
Saturday, December 3rd, 12:40 am
What role do postcards and letters play in this digital age? Some businesses think there is a gap in the market.
Friday, December 2nd, 12:23 am
As global student loan debt reaches crisis levels, can tech start-ups help cut costs?
Thursday, December 1st, 12:24 am
As the year draws to a close, many people will review the state of their wealth. So, is your bank balance now a spectacular display or did your finances fizzle?
Thursday, December 1st, 12:16 am
For many businesses Christmas is their busiest time of the year, the BBC's Elizabeth Hotson takes a look at how some are preparing.
Wednesday, November 30th, 4:14 pm
Donald Trump has picked former Goldman Sachs banker Steven Mnuchin as his treasury secretary. Here are five things you need to know about Mr Mnuchin.
Thursday, December 1st, 12:50 am
A list of business holdings that could force Trump to choose between US interest and his bottom line
Thursday, December 1st, 5:29 am
In a new book, the Archbishop of Canterbury questions society's obsession with money and materialism.
Wednesday, November 30th, 12:10 am
The firms trying to tackle food waste by using ingredients destined to be thrown away.
Wednesday, November 30th, 2:42 pm
What will the team of British accident investigators in Colombia be doing?
Tuesday, November 29th, 12:15 am
Lasers have been around since the 1960s, but today's highly accurate versions are transforming surgery, computing, engineering and mapping.
Monday, November 28th, 12:04 am
How Jamie Bolding created online viral videos business Jungle Creations, whose videos are watched more than 2.5 billion times every month.
Saturday, November 26th, 11:07 pm
A crop of apps want to use the methods of dating apps like Tinder to transform the world of business networking.
Sunday, November 27th, 2:49 pm
German F1 star Nico Rosberg is set to cash in on his new status as world champion with a number of big name brands.
Friday, November 25th, 10:14 pm
Traders at one of the UK's largest wholesale markets say prices for imports from the EU are up by as much as 40% owing to the drop in the value of the pound.
Friday, November 25th, 10:00 pm
One US Federal Reserve bank official, Neel Kashkari, wants his country's banks to keep much higher cash reserves, to reduce the chances of another major financial crisis.
Friday, November 25th, 12:36 am
The world needs to produce more food to feed a growing population, but is automation and sensor technology the answer?
Thursday, November 24th, 5:57 pm
Black Friday is now one of the UK's busiest shopping days, but how can you spot a genuine bargain?
Friday, November 25th, 4:05 pm
Change Britain says there will be a £32bn Brexit dividend in the three years after the UK leaves the EU in 2019.
Friday, November 25th, 12:06 am
Can scrapping high denomination banknotes transform India from a cash economy to a cashless one?
Thursday, November 24th, 12:04 am
There's no escaping Black Friday - but how does the discount day compare with other retail bonanzas?
Thursday, November 24th, 12:04 am
How a scheme to support start-up businesses is helping to build bridges between Moldova and the breakaway region of Trans-Dniester.
Thursday, November 24th, 12:16 am
People who have found ways to benefit from India's decision to make 86% of its currency illegal.
Thursday, November 24th, 4:46 am
Why is the Asian country constantly mired in allegations of political dishonesty?
Wednesday, November 23rd, 12:41 am
We look at the sustainable practices used by Nasa and what businesses can learn from them.
Wednesday, November 23rd, 12:46 am
The university lecture has survived, despite claims that technology would make it redundant.
Tuesday, November 22nd, 11:10 am
The Trans-Pacific Partnership is one of the most ambitious free trade agreements ever signed. But why does it matter?
Tuesday, November 22nd, 12:10 am
The self-employed often have to wait weeks before they can start the new job they've been offered. Why? Can tech speed things up?

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