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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>

10:36 am (14 minutes ago)
Eurozone deflation increases over the last month from -0.2% to -0.6% as lower oil prices push down costs.
9:02 am (an hour ago)
Men have seen the real value of their pay fall far more than women in the past few years, according to the Institute for Fiscal Studies.
9:14 am (an hour ago)
BT sets aside £2bn to deal with its swelling pension deficit as part of a 16-year plan.
Yesterday 10:43 pm (12 hours ago)
The online retail giant Amazon reports weaker profits for the busy Christmas period, but a 15% rise in sales cheers investors.
8:14 am (3 hours ago)
Japanese carmaker Honda cuts its profit forecast and sees third quarter earnings drop sharply following a vehicle recall linked to airbags.
Yesterday 10:09 pm (13 hours ago)
Internet giant Google reports fourth-quarter profits of $4.76bn, up nearly 30% from the same period a year before, but revenue misses Wall Street expectations.
Yesterday 7:06 pm (16 hours ago)
Our economics correspondent Andrew Walker explains how developments in Germany and Denmark are hallmarks of strange times in the eurozone.
9:12 am (an hour ago)
Shares in London are flat as eurozone inflation numbers are released and BT shares fall in the wake of its results.
2:25 am (8 hours ago)
China overtakes the US as the top destination for foreign direct investment (FDI), for the first time since 2003.
Yesterday 10:27 pm (12 hours ago)
Foreign ministers from the EU agree in Brussels to extend existing sanctions against Russia until September but not to impose any new sanctions.
6:59 am (4 hours ago)
Japanese shares traded higher on Friday as investors shrugged off a series of government data showing a slowing Japanese economy.
Yesterday 2:36 pm (20 hours ago)
Royal Dutch Shell revives Arctic drilling plans, despite announcing a $15bn cut in global spending and profit figures that disappointed investors.
Yesterday 3:42 pm (19 hours ago)
Shares in the Chinese e-commerce giant Alibaba fell 7% after sales fall short of targets
Yesterday 9:46 pm (13 hours ago)
The US Senate passes a bill to approve the controversial Keystone XL pipeline, sending it to President Barack Obama's desk for a likely veto.
Yesterday 4:23 pm (18 hours ago)
Pay-TV firm Sky is launching a mobile phone service next year as the battle for a slice of the UK's telecoms market intensifies.
Yesterday 3:30 pm (19 hours ago)
Retailer Argos is to open ten pilot digital stores in Sainsbury's that will aim to offer a broad range of general merchandise.
Yesterday 3:09 pm (20 hours ago)
The UK's energy regulator Ofgem says the big energy firms are likely to enjoy a small increase in their profit margins in the coming year.
Wednesday, 11:18 pm
McDonald's boss Don Thompson steps down after two and a half years in the job, as the company struggles with a declining customer base in its home market.
Yesterday 5:01 pm (18 hours ago)
Rory Cellan-Jones visits a building where microchipped workers gain entry and use photocopiers by holding up their hands - and trials the tech himself.
Wednesday, 10:33 pm
Tesco recalls its blackcurrant and apple squash drink after accidentally adding a flavouring with a "strong odour" similar to garlic.
Yesterday, 10:21 am
House price inflation is continuing to slow, according to the latest results from two leading surveys.
Yesterday 11:29 am (23 hours ago)
The number of people being declared insolvent in England and Wales has fallen to its lowest level since 2005.
Wednesday, 11:56 am
Home owners paid less on average for their buildings and contents insurance last year, says the Association of British Insurers (ABI).
Wednesday, 6:55 pm
Bank of England governor Mark Carney has warned the current structure of the eurozone puts it in an "odd position".
Wednesday, 5:02 pm
Greek financial markets were in turmoil on Wednesday after the new anti-bailout government appeared determined to defy the country's international creditors.
Wednesday, 7:58 pm
The US Federal Reserve reiterates that it will be patient in raising interest rates, but adds it is weighing "international developments".
Tuesday, 8:11 pm
Chinese firms are well known for their imitations of Western brands. How can they become more innovative?
Monday, 12:00 am
How 24-year-old car fan Adnan Ebrahim set up Car Throttle, a popular website aimed at young motoring enthusiasts.
Thursday, January 22nd, 12:01 am
Indigenous tribes in Brazil are increasingly turning towards tourism to make their living, but there are concerns that some may be being exploited, reports Donna Bowater from the Amazon.
Yesterday 2:49 pm (20 hours ago)
The BBC renews its deal to show Premier League highlights on Match of the Day for a further three years.
Wednesday, 7:19 pm
Virgin Media has asked the broadcasting watchdog Ofcom to halt the auction of Premier League football TV rights until a probe into the process is completed.
Wednesday, 12:24 am
Football clubs spent a record £2.7bn in international transfers in 2014, with English football clubs accounting for £795m of the total.
2:55 am (8 hours ago)
Shares in Alibaba have plunged almost 9% after the Chinese e-commerce giant's quarterly earnings report showed weaker-than-expected sales growth.
Yesterday 10:35 pm (12 hours ago)
A hi-tech office in Sweden offers to implant microchips under the skin of staff in bid to make some simple tasks easier.
Yesterday, 4:12 am
Apple's recent record profit has raised the question again of how much tax should the world's biggest companies pay?
Wednesday, 10:58 pm
The Scottish space industry employs more than 5,000 people and has doubled its turnover in three years.
Yesterday 3:01 pm (20 hours ago)
Royal Dutch Shell is going to cut its spending over the next three years to try and deal with the falling price of oil.
Yesterday, 12:32 am
US technology giant Apple has reported the biggest quarterly profit ever made by a public company.
Tuesday, 10:58 pm
Land Rovers, Minis and Jaguars are being brought off the Hoegh Osaka, which is now docked in Southampton.
Wednesday, 2:57 am
India's fitness industry could become more valuable than the fitness sectors in the UK or the US, according to one industry executive.
9:23 am (an hour ago)
Why it pays for players to have an entourage
12:00 am (11 hours ago)
Why is US burger firm Shake Shack set to raise millions?
12:02 am (11 hours ago)
Nokia's demise hit Finland hard - but left a vibrant start-up scene
Yesterday, 2:02 am
The new banks you cannot speak to
Yesterday 12:22 pm (22 hours ago)
The Watford fan taking the helm at McDonald's
Yesterday, 2:05 am
The firms helping girls in the developing world
Wednesday, 1:11 pm
Apple and its $142bn embarrassment of riches
Yesterday, 2:45 am
Is fracking viable at current prices?

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 our 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.

We find Backhouse both conscientious, professional and great value for money delivering a first class claims service.

Paul Reyner, Fagan and Whalley