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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>

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Tens of thousands of broadband customers in the UK are having to pay "costly" charges to change supplier, Citizens Advice warns
Yesterday 11:14 pm (5 hours ago)
The World Trade Organization says its 160 members have failed to agree a global customs pact drawn up in meetings in Bali last December.
2:40 am (2 hours ago)
China's factory activity grows at its fastest pace in more than two year in July, the latest in a series of signs that the country's economy may be stabilising.
Yesterday 9:09 pm (8 hours ago)
Electric carmaker Tesla is to team up with Japanese electronics firm Panasonic to build a battery manufacturing plant in the US.
Yesterday 5:39 pm (11 hours ago)
Gatwick Airport will bring in up to 45 of its own staff to help with luggage handling to ensure there is no repeat of last weekend's delays.
Yesterday 4:56 pm (12 hours ago)
Adidas shares tumble after the sportswear maker issues a profit warning and says it will open fewer stores in Russia.
Yesterday 11:50 pm (5 hours ago)
Argentina blames the US for its default, calling the mediator in debt negotiations which ended in failure "incompetent".
Yesterday 2:36 pm (14 hours ago)
British Gas and owner Centrica report a sharp drop in profits for the first half of the year due to warmer weather.
Yesterday 11:57 am (17 hours ago)
Profit at Lloyds Banking Group falls after it is hit by PPI mis-selling charges and a Libor rate-rigging settlement.
Yesterday 1:18 pm (15 hours ago)
The eurozone inflation rate falls by 0.4% in July, sliding further into what the European Central Bank describes as a "danger zone".
Yesterday 9:17 am (19 hours ago)
The growth in house prices is starting to moderate, according to the UK's biggest building society, the Nationwide.
Yesterday, 12:16 am
Manchester United's US owners will pocket about $150 million by selling more of their shares in the club on the New York Stock Exchange.
Yesterday 2:22 pm (14 hours ago)
The UK government unveils new principles aimed at tackling "ridiculous" delivery charges faced by shoppers living in remote areas.
Yesterday 1:54 pm (15 hours ago)
A former judo sparring partner of Vladimir Putin is among three of the Russian president's close aides on a new EU sanctions list.
Yesterday 7:41 am (21 hours ago)
Oil giant Royal Dutch Shell describes its performance as "robust" after its second-quarter profits more than doubled.
Wednesday, 3:30 pm
A circus group which was denied a Santander business bank account because its showgirl and burlesque acts posed a "moral problem" has now been offered the account.
Wednesday, 10:03 am
Paramount Pictures apologises over a Teenage Mutant Ninja Turtles poster featuring the characters jumping from an exploding skyscraper alongside the release date of 11 September.
Wednesday, 6:57 pm
The big six energy firms are set to double their profit margins over the next year, according to estimates by the regulator, Ofgem.
Wednesday, 1:50 pm
HSBC bank writes to Finsbury Park Mosque and other Muslim organisations around the UK giving them notice their accounts will be closed.
Tuesday, 3:18 pm
There has been a sudden jump in the number of individuals becoming insolvent, in the steepest rise since 2010, according to government figures.
Wednesday, 7:37 pm
The US economy grew by 4% in the second quarter, according to a preliminary reading by the US Department of Commerce, beating expectations.
Wednesday, 2:46 pm
Spain's economy is growing at its fastest quarterly rate since the end of 2007, but it is also facing a deflation threat.
Wednesday, 2:39 pm
Bank of England plans to penalise badly-performing bankers could put London at a disadvantage as a financial centre, says banking industry body BBA.
Tuesday, 12:03 am
Baggit is one of India's most well-known handbag brands. Founder Nina Lekhi explains how it was created "by mistake".
Monday, 12:01 am
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Friday, July 25th, 12:13 am
Three business investors answer our readers' questions about how they judge whether or not to invest in a business venture.
Wednesday, 10:39 am
The World Cup and a revival in advertising revenues boost profits at the broadcaster ITV.
Tuesday, 4:11 pm
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Tuesday, 12:11 am
A US judge rules that the LA Clippers basketball team can be sold, despite the objections of banned co-owner Donald Sterling.
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Wealth and growing inequality in Indonesian capital Jakarta
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Members of the 'millennial generation' are finding ways to earn a living from skills they learned not at school, but on social media.
Yesterday, 4:15 am
One of the world's best known piano manufacturers, Steinway, is seeing a rise in demand from Asian countries such as China.
Yesterday 11:49 am (17 hours ago)
Centrica's Chief Executive Sam Laidlaw has told the BBC gas use is down as result of warmer weather, but has batted off criticism that bills could be reduced further because of lower wholesale prices.
Wednesday, 1:28 pm
Driverless cars are set to take to the roads in the UK from next January, they will guided by a system of sensors and cameras.
Wednesday, 9:51 am
New technology is opening up whole new careers to young jobseekers who may be having difficulty getting into more established professions.
Wednesday, 5:03 am
Not many family businesses in Taiwan find it so easy to hand over the reins, especially companies started during the boom years of the country's industrialisation.
Wednesday, 12:39 pm
HSBC bank has told three Muslim organisations that they are to have their accounts closed.
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Keeping cyber thieves' paws off your data
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Wealth and growing inequality in Indonesian capital Jakarta
Yesterday, 12:07 am
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Yesterday 1:22 pm (15 hours ago)
John Kerry on a mission to increase US-India trade
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Yesterday 8:15 am (20 hours ago)
Call it something else, says Argentina's president
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Wednesday, 12:13 am
The tech firm helping San Francisco's tough Tenderloin area

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