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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>

12:08 am (21 hours ago)
The Financial Exclusion Committee says banks are failing the customers who need them the most.
Yesterday, 8:39 pm
The author of a major pensions review tells the BBC that the government must avoid past pension mistakes.
Yesterday, 4:06 pm
Supermarkets will cut 2p off the price of a litre of petrol and diesel this weekend.
Yesterday, 4:06 pm
Customers who suffer poor service could get automatic payouts under Ofcom's plan.
Yesterday, 7:57 pm
The UK's biggest supermarket will keep trolleys unlocked while it converts them to the new £1 coin.
Yesterday, 4:28 pm
The publisher's boss sees his pay package rise 20% in 2016 despite a difficult year for the firm.
Yesterday, 1:54 pm
Pallets included packages from major brands including Next, H&M, Panasonic and Groupon.
Yesterday, 9:49 am
Germany's biggest bank says the new office "underlines its commitment" to the City of London.
Yesterday, 12:18 am
The TUC says UK mothers may get a reasonable amount of maternity leave but get a poorer deal on pay.
Yesterday, 1:52 pm
An employment tribunal rules that a self-employed cycle courier for Excel was actually "a worker".
Yesterday, 9:52 am
The beleaguered bank says a number of "credible" parties have expressed interest in buying it.
Yesterday, 11:54 am
Growth in France and Germany help the bloc's economic recovery "surge higher", a survey says.
Yesterday, 6:05 pm
The State Department says the project, blocked by Barack Obama, is in the national interest.
Yesterday, 8:56 am
Manufacturing and retail jobs are most at risk from automation by the 2030s, a report says.
Yesterday, 2:04 pm
The number of home loans in February fell to the lowest figure since November, according to UK banks.
Yesterday, 10:29 am
Extra help is needed if the industry is to survive after Brexit, a senior figure in the sector warns.
Yesterday, 6:45 am
Apple's Red iPhone is going on sale, but in China it is doing things a bit differently. Why?
Yesterday, 8:42 am
The firm apologises to shareholders its role in a corruption case and for the Galaxy Note 7 recall.
Thursday, 4:03 pm
Rising popularity of online banking prompts the decision to ditch 17% of RBS and 13% of NatWest branches.
Yesterday 10:29 pm (23 hours ago)
The Ivorian farmers benefiting from a unique, but labour intensive, blend of compost.
Yesterday, 4:57 pm
The BBC’s technology correspondent Rory Cellan-Jones gets a beer poured for him by a robotic barman - but how long does it take?
Yesterday, 12:34 pm
Small-scale tobacco farmers in Zimbabwe have little to invest due to poor profit margins and a weak economy.
Yesterday, 10:19 am
Jeremy Cook, chief economist at World First, agreed to have his beard shaved off for Comic Relief.
Yesterday, 12:05 am
The director of a safety footwear company says the firm is focusing on new deals outside Europe.
Yesterday, 12:04 am
We find out why some parents in Asia are paying for meditation classes in the hope their kids will cope better at school and in life.
Thursday, 5:25 am
The average price of an item at Nifties in Dover is 60p.
Thursday, 12:34 am
Cecile Reinaud runs Seraphine, a London-based maternity wear company. She is on an export drive and is hopeful about the post-Brexit trade deals to be struck.
Thursday, 4:50 pm
Portsmouth and ex-Walt Disney CEO Michael Eisner are to enter into exclusive talks about a potential takeover.
Wednesday, 10:34 am
From October 2017, cheques will start to clear much faster than the current six days' waiting time.
Yesterday, 12:07 am
Theo Leggett examines what changes new owners Liberty Media might bring in to re-energise Formula 1.
Yesterday, 12:13 am
How new technologies are transforming outdoor advertising.
Thursday, 1:21 pm
Next - like its rivals - is battling many problems - unlike them it has spelt them out in full.
Thursday, 12:22 am
A look at how the seed of a South American tree is increasingly being used as an alternative to ivory.
Thursday, 12:29 am
How much data do you give away during your average day in the city?
Wednesday, 12:01 am
We track a single item of clothing to see just where it goes before it ends up in the shop.
Wednesday, 12:01 am
Everyone has to tackle their fears. Adventurer Bear Grylls explains how he tackles his own self-doubt.
Wednesday, 12:01 am
America's rural heavily supported Donald Trump in the election, but now some are starting to worry his trade plans could hurt their business.
Tuesday, 12:07 am
The technology behemoth Google may be in the spotlight with concerns over adverts ending up on extremist websites, but the wider UK advertising industry itself is facing numerous other challenges.
Tuesday, 12:11 am
Not all cyber-attacks are about theft, some seek to undermine the trust placed in data and documents.
Tuesday, 12:18 am
CPIH is about to become the headline measure of inflation, but it's not a proper national statistic.
Tuesday, 9:11 am
The feuding family members who built up South Korea's Lotte Group empire are reunited in court.
Monday, 12:02 am
Australian Jessica May overcame acute anxiety by setting up a recruitment firm for people with mental and physical disabilities.
Monday, 12:02 am
Gamblers and insurers both place bets on the future, so how do they compare?
Friday, March 17th, 10:00 pm
Joe Gordon, boss of telephone and online bank First Direct has just two years' experience in banking.
Friday, March 17th, 12:00 am
Using robotic carers and nurses to help the elderly could ease strains on the global healthcare system.
Thursday, March 16th, 10:17 am
Toyota's decision to invest £240m in its UK operations will be welcome news for the UK car industry.
Wednesday, March 15th, 6:27 pm
The US central bank takes another step towards ending the exceptional response prompted by the financial crisis.
Thursday, March 16th, 12:00 am
Etiquette experts and business coaches guide us through the minefield that is the business lunch.
Wednesday, March 15th, 12:04 am
Could global trade in vegetable oil be to blame for our growing obesity crisis?
Wednesday, March 15th, 5:19 pm
How many people will now pay less National Insurance as a result of the chancellor's change of heart?
Wednesday, March 15th, 12:14 am
When Romania stopped cheating in its exams, it revealed the scale of the social gap in its school system.

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