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Schemes & Facilities 2021-22 Providing exclusive opportunities and solutions for BIBA members biba.org.uk
BIBA SCHEMES AND FACILITIES 2021-2022 TWO | BIBA SCHEMES & FACILITIES 2021-22
CONTENTS
BIBA SCHEMES AND FACILITIES
Introduction 4
SCHEME PROVIDER
Care Sector Bollington 5
Commercial Drone Insurance Flock 6
Commercial Property with Flood Cover R&Q CRS 7
Cyber CFC 8
Event Beazley Group 9
Excess Public, Products and Employers’ Liability CNA Hardy 10
Guaranteed Asset Protection (GAP) Jackson Lee Underwriting 11
High Net Worth Home & Legacy 12
Holiday Homes Intasure 13
Holiday and Sports Travel Jackson Lee Underwriting 14
Intellectual Property Insurance (IPI) OPUS 15
Liability Yutree 16
Loss Recovery Lorega 17
Marine MercariRisk 18
Medical Travel AllClear Insurance 19
Product Recall CFC 20
Renovation Plan Aston Lark 21
Residential Escape of Water and Distressed Risk magenta insurance 22
Trade Credit Insurance CMR Insurance Services 23
Transportation M R Ratcliffe Underwriting 24
Unoccupied Property Camberford Underwriting 25
Young Driver Telematics Marmalade 26
FACILITY PROVIDER
After The Event Lorega 28
BIBA Litmus Test Report Litmus Analysis 29
Claims Made Easy Insure Apps 30
Mental health at work training & support Mental Health in Business Ltd (MHIB) 31
Premium Finance Premium Credit 32
S&P Global Insurance Ratings S&P Global Market Intelligence 33
Sanctions Checking Professional Office 34
Valuation QuestGates 35
THE BIBA PROFESSIONAL INDEMNITY INITIATIVE PROVIDER
Introduction 36
BIBA Accredited PI Broker Griffiths & Armour 37
BIBA Accredited PI Broker Lockton Companies 38
BIBA Accredited PI Broker Manchester Underwriting Management 39
BIBA SCHEMES & FACILITIES 2021-22 | THREE
BIBA SCHEMES AND FACILITIES 2021-2022
PROVIDING OPPORTUNITIES AND
SOLUTIONS FOR BIBA MEMBERS
BIBA Schemes are exclusive products for your clients that add
value for you and provide new opportunities by offering access
that may not otherwise be available.
BIBA Facilities are tools and services to help your business and
save costs with some of them subsidised or free to members.
BIBA Schemes and Facilities are:
– Exclusive to members
– Quick and easy to use and sell
– Specifically tailored to meet members’ and their clients’
needs
– Unique
– Selected by brokers for brokers
BIBA Schemes and Facilities offer:
– Increased business opportunities
– Advice and support from the experienced provider on selling
the product
– Access to agencies and unique markets
– No minimum level of support
– Special BIBA scheme USPs
– At least BBB+ rated insurers
Content is up to date as of Wednesday 17 March 2021.
Please visit www.biba.org.uk/members/biba-schemes/
for the latest version.
FOUR | BIBA SCHEMES & FACILITIES 2021-22
CARE SECTOR
Care risks can be difficult to place, particularly without committing Opportunity for
to minimum volumes of business. With access to a range of insurer Access to a range of care
partners, Bollington offers the BIBA Care Sector scheme, backed by a insurance markets spanning
dedicated care insurance team with years of experience in residential care, domiciliary
negotiating cover in the sector. care, and fostering and
adoption agencies
Target risks
– Residential care for children, the elderly or individuals with
learning disabilities and complex healthcare needs
– Care for individuals with mental health conditions or physical
disabilities Solution for
– Domiciliary care/supported living Brokers looking to place
– Fostering and adoption agencies individual care risks on an
infrequent basis through to
Key policy features those with a large book of care
– Abuse cover up to £5m on either an occurrence or claims business
made wording
– Retro abuse cover option with certain insurers
– Treatment risk and medical malpractice, with £5m indemnity
limit as standard
Key benefits to members
– In-house underwriters, with delegated underwriting authority
– In-house claims management
– DBS-checked advisers and account managers, for peace of
mind in dealing with sensitive risks
– Enhanced commission rates
– No minimum commitment – ad-hoc risks considered
Contact
Andy Gray
Address
Adlington Court
Adlington Business Park
Adlington, Cheshire
SK10 4NL
Telephone
07990 573475
Email
BIBAcare@bollington.com
Website
www.bollington.com/biba
BIBA SCHEMES & FACILITIES 2021-22 | FIVE
BIBA SCHEMES COMMERCIAL DRONE INSURANCE
Opportunity for Flock is a leading UAV and eVTOL insurance specialist working with
Distribute a range of top aviation underwriters to provide commercial drone insurance in
EC785/2004 compliant data- the UK, Europe and beyond.
driven commercial drone
insurance products in the UK Target risks
and Europe. – Commercial drone operators in the UK/EU using drones for in:
- Agriculture
Give your customers the - Film & Photography
ability to quote and bind - Surveying
policies online with a - Academia
co-branded portal - Emergency Services
- Public Sector
- Inspection
- Delivery
- Construction
Solution for - Air taxis / eVTOLs
Brokers looking to place
individual commercial drone Key policy features
insurance risks – Access to a UAV specialist to provide insights on client
via a fully digital platform requirements
– End to end claims support and advocacy
– A digital portal that can be provided direct to customers
– No minimum commitment – any size of risks considered
Contact
Thomas Wilson
Telephone
075886 50372
Email
broker@flockcover.com
Website
www.flockcover.com
SIX | BIBA SCHEMES & FACILITIES 2021-22COMMERCIAL PROPERTY WITH FLOOD COVER BIBA SCHEMES
R&Q CRS Ltd is a subsidiary of the R&Q group of companies. We are Opportunity for
an established and fast-growing MGA that caters for UK commercial Brokers to offer superior cover
business. The BIBA Commercial Property scheme is designed to to their clients
assist businesses that have either suffered from previous flood
damage or are in a perceived difficult flood area.
Target risks
– Manufacturing and distribution Solution for
– Retail, office and professional trades Insureds that have difficulty
– Real estate – private and residential buying flood cover
Key policy features
Superior policy coverage including:
– Breakdown of equipment including computers
– Directors’ and officers’ liability
– Legal expenses that includes contract disputes
– Personal accident cover for directors
– A full range of business interruption extensions are included as
standard
– Goods in transit, money, loss of licence, deterioration of stock
are automatically covered
Key benefits to members
– Branch offices located in London, Birmingham, Manchester and
Bournemouth
– Exclusive quotations
– Direct access to the decision-makers
– Multiple cover options available
Contact
James Wheddon
Address
1 Cornhill
London
EC3V 3ND
Telephone
020 7780 5974
Email
james.wheddon@rqih.com
Website
www.rqcrs.com
BIBA SCHEMES & FACILITIES 2021-22 | SEVENBIBA SCHEMES CYBER
Opportunity for Cyber risk is an exposure that no modern business can escape, and the
Brokers and policyholders financial impact of cybercrime, business interruption, and privacy
to access innovative cyber events are now felt within all industries. With solutions designed for
insurance from a specialist businesses of all sizes, our cyber products provide cutting-edge,
provider innovative cover to protect against the very real threats to digital and
intangible assets.
Target risks
– Micro to SME, mid-market to large corporate
Solution for – Healthcare
Businesses of all types – Retailers
and sizes – Educational
– Professional services
– Public entities
– Construction companies
– Transportation and logistics
– Financial services
Key policy features
– Any one claim limits with unlimited reinstatements
– Cyber incident response costs for legal, forensics and notifications
– Cybercrime, including social engineering, theft of personal funds,
cyber extortion, cryptojacking, botnetting and more
– System damage and business interruption, including full data
re-creation, reputational harm, full supply chain cover and more
– Network security and privacy liability
– Media liability
Key benefits to members
– Suite of free risk management tools available including phishing
training, security reports and dark web monitoring
Contact
– Cyber incident response costs with a nil ‘Excess’ for UK
Lindsey Nelson
– Access to our award-winning threat intel alert mobile App
Address – Policy supported by CFC’s award-winning, in-house cyber
85 Gracechurch Street incident response team of 50+ specialists
London – Access to CFC’s Connect cyber trading platform with limit
EC3V 0AA benchmarking data and claims profiles
Telephone
0794 835 2444
Email
lnelson@cfcunderwriting.com
Website
www.cfcunderwriting.com
EIGHT | BIBA SCHEMES & FACILITIES 2021-22EVENT BIBA SCHEMES
An array of issues can impact the success of an event, from weather Opportunity for
to terrorism, strikes and transport delays. Brokers to cross-sell event
products to their existing
The Event Insurance scheme provides competitively priced, clients. There are more than
comprehensive event cancellation cover as well as access to other 5,000 events per year in the
event products, including liability, property and money covers. It average UK town
protects event organisers’ and venues’ financial liabilities and
provides practical assistance should an event have to be cancelled
or abandoned due to circumstances outside the insured’s control.
Target risks Solution for
– Organisers of events of all sizes, from village fêtes to global Organisers of events looking
tradeshows to protect their financial
– Charities, councils, event suppliers exposure should the worst
– Schools, universities, student unions happen
– Venues, hotels, bars and restaurants
Key policy features
– Protects lost expenses or revenue should an event be cancelled
for reasons beyond the organiser’s control
– Covers cancellation, abandonment, postponement, disruption
and relocation of an event
– Coverage extensions available for terrorism, communicable
disease, national mourning, civil commotion and more
Key benefits to members
– Enhanced coverage for your clients
– One-stop shop for a full event insurance package
– Easy to use online solution Contact
– Enhanced commissions on all event cancellation risks Michael Price
Address
Plantation Place South
60 Great Tower Street
London
EC3R 5AD
Telephone
020 7674 7336
Email
michael.price@beazley.com
Website
www.beazley.com/united_
kingdom/event_insurance.
html
BIBA SCHEMES & FACILITIES 2021-22 | NINEBIBA SCHEMES EXCESS PUBLIC, PRODUCTS AND EMPLOYERS’ LIABILITY
Opportunity for The importance of having sufficient liability cover has never been
BIBA members with greater for businesses, whether they are large corporations or small
policyholders in the enterprises. Even relatively small incidents can exceed standard
construction, manufacturing, indemnity limits and result in multi-million pound liability claims that
wholesale, retail, leisure and can have a catastrophic impact on a company’s balance sheet.
service industries
CNA’s new, improved online trading portal provides access to
immediate and competitive Excess of Loss solutions for Excess Public
Liability and/or Excess Employers Liability.
Solution for Target risks
Policyholders requiring – UK businesses with turnover up to £75m
increased indemnity limits – Over 2,700 trades across a wide range of sectors
for public liability and/or – Contractors, including those using heat
employers liability – Manufacturing and wholesale, including those exporting to the
USA
– Leisure, retail and services
Key Policy Features
– Limits available up to £20m
– Annual policies or individual projects up to 24 months duration
– All major primary insurers’ wordings accepted
– Wide wording including Insurance Act extension
– Competitive premiums, starting at £250
Key Benefits to Members
– Quote, bind and issue policy documentation online,
immediately
– Save time through full-cycle online capability including
renewals & MTA’s
Contact
– Enhanced commission of 25% for users registered as BIBA
Neil Stephenson
members
Address – 10% discount on standard rates for users registered as BIBA
7th Floor members
1 New York Street – Direct access to CNA Hardy underwriters to discuss specific risks
Manchester if required
M1 4HD – Simple registration process: contact xol@cnahardy.com
Telephone
0161 242 4443
Email
xol@cnahardy.com
Website
www.cnahardy.com/cna-online
TEN | BIBA SCHEMES & FACILITIES 2021-22GUARANTEED ASSET PROTECTION (GAP) BIBA SCHEMES
BIBA members can access a full range of Motor GAP Insurance Opportunity for
products allowing them to offer competitive GAP Insurance Brokers looking to
solutions to customers. With over 85% of new registrations on a promote GAP Insurance
finance funding option and the growth in electric vehicles, there to their personal and
has never been a better time for insurance brokers to offer these commercial lines clients
products to their customers whether they are private,
commercial or fleet.
Target risks
– Personal and commercial lines Solution for
– Fleets and single vehicles Cars
– Customers purchasing new or used vehicles Commercial vehicles
– Vehicles on contract hire, finance or owned outright up to 44 tons Gross
Vehicle Weight
Key policy features Motorhomes
– Available to new and used vehicles Driving school vehicles
– No market value clauses Motorbikes
– Up to £250 excess covered Electric vehicles
– Cover for electric vehicles Fleets
– Ability to add temporary replacement vehicle
– Choice of benefit levels
– Choice of cover periods
Key benefits to members
– Competitive commission
– ‘A’ rated insurer capacity
– No minimum volumes
– Free product training
– Free branded marketing material in PDF
– Quote & buy system available
– Fast track agency approval
Contact
– Training in products
Nick Mohan
Address
63 St Mary Axe
London
EC3A 8AA
Telephone
0330 111 3093
Email
info@jlunderwriting.co.uk
Website
www.jacksonleeunderwriting.co.uk
BIBA SCHEMES & FACILITIES 2021-22 | ELEVENBIBA SCHEMES HIGH NET WORTH INSURANCE
Opportunity for As one of the UK’s leading high net worth specialists, our policies are
Online access to high net among the most inclusive, while our award-winning claims team
worth insurance with provides excellent service when customers need it most.
underwriting flexibility
Target risks
– Minimum contents sum insured £75,000 with no upper limit
– From wealthy clients requiring more than standard home
insurance, through to ultra high net worth individuals
Solution for – Typical annual premium from £1,000 upwards
A range of high net worth, – Clients with residential let properties and landlords
high value risks
Key policy features
– All risks, worldwide cover
– Minimum two years’ alternative accommodation
– Death of artist and market appreciation cover
– New acquisitions
– Contents in halls of residence/ residential care
– Family legal expenses, ID fraud detection and home
emergency assistance included as standard
– Worldwide multi-trip travel options with Covid-19 covers
– Home & Legacy also offers landlord insurance with a high net
worth claims service and a range of optional extras, including
emergency property assistance and rent & legal protection
Key benefits to members
– Enhanced household commission – 1.5% uplift on standard
Home & Legacy household commission to 21.5%
Contact
Mark Wooldridge
Address
500 Avebury Boulevard
Milton Keynes
MK9 2LA
Telephone
0344 893 8370
Email
info@homeandlegacy.co.uk
Website
broker.homeandlegacy.co.uk
TWELVE | BIBA SCHEMES & FACILITIES 2021-22HOLIDAY HOME BIBA SCHEMES
With cover for properties in 40 countries worldwide and legal Opportunity for
expenses free of charge for BIBA members, the BIBA Holiday Home Designed specifically for
Scheme is administered by Intasure. second-home owners in
the UK and overseas
The scheme is designed for second-home owners, whether it’s for
private use, long or short term letting. It has one of the largest
footprints in the insurance market.
Target risks Solution for
– UK and overseas holiday homes English speaking team
– Expat homes to help resolve a claim
– UK and overseas holiday lodges and log cabins should the worst happen
– Turkish holiday Homes requiring DASK (available only
alongside holiday home policy)
Key policy features
– £5 million public liability as standard
– UK claims team and overseas loss adjusters
– Cover if the property is occupied or unoccupied
– Emergency travel following a major claim
– Optional accidental damage cover
Key benefits to members
– Legal expenses free for BIBA members only (customers must
reside in UK)
– No minimum volume required
– Cover and documents can be actioned by the BIBA member
Contact
Lucy Gill
Address
Oakhurst House
77 Mount Ephraim
Tunbridge Wells
TN4 8BS
Telephone
01892 239 337
Email
Lucy_Gill@ajg.com
Website
www.intasure.com/BIBA
BIBA SCHEMES & FACILITIES 2021-22 | THIRTEENBIBA SCHEMES HOLIDAY AND SPORTS TRAVEL
Opportunity for The Travel+ products provide package travel insurance cover,
Comprehensive travel pre-travel advice and emergency assistance support to the
policies and underwriting leisure traveller and sporting enthusiast. Holiday Travel+ is for
service individuals, families and groups. Sports Travel+ is a specialist
policy for the sporting traveller, amateur and professional
individuals, groups and teams.
Policies are obtained via a simple to use online platform to quote,
Solution for bind, renew and amend policies by BIBA members and/or a white
Travel insurance and labelled client facing link that can be placed on the members
assistance services website.
designed for sport and
leisure travellers Target risks
– Holiday Travel+ cover up to 85 years for a single trip policy
and 75 years for an annual multi-trip policy
– Sports Travel+ cover up to 65 years for a single-trip policy
and for an annual multi-trip policy
– UK domiciled individuals, families and groups
Key policy features
– Coverage for pre-existing medical conditions including
mental health conditions, subject to medical screening
– Cover for trip cancellation or coming home early for reasons
beyond the insured’s control or due to a terrorist incident
– Cover for financial failure in the event a company the
insured has booked with goes bust
– Cancellation cover arising from pre-travel sporting injury
– Cover for children travelling independently
– Reduced excesses for family trips
Key benefits to members
– Support from an expert team in designing your client’s cover
– Many high-risk activities covered as standard or on referral
Contact – Ability to embed and white-label the online portal into your
Dipesh Patel website
– No minimum volume
Telephone
07884 589192
Email
dipeshpatel@jlunderwriting.co.uk
Website
https://www.
jacksonleeunderwriting.co.uk/
biba-schemes/biba-travel/
FOURTEEN | BIBA SCHEMES & FACILITIES 2021-22INTELLECTUAL PROPERTY INSURANCE (IPI) BIBA SCHEMES
OPUS Underwriting Ltd is one of the UK’s leading providers of Opportunity for
Intellectual Property Insurance (IPI). We are an experienced and Brokers to enter the fast-
proven market player providing competitively priced IPI to companies emerging IPI market and to
with products, brands and know-how to protect from competitor insure intangible business
predators and infringers. assets
Now in our third year as an approved service provider to BIBA, we
would like to remind you to sign up to the BIBA IPS 1000 product
powered by OPUS analytics. We fully understand broker requirements
in this class of insurance and have removed the obstacles that so Solution for
often impede you in this market to enable delivery of timely and Protecting brand, design,
competitive quotes to your clients. copyright, customer base
and product innovation
Target risks
– UK businesses with strong designs, innovative technology,
reputation and brand to protect
– Tech-based businesses with software design and unique
delivery systems
– Engineering, product design and manufacture.
– Life-sciences
Key policy features
– Specialist legal expenses insurance (LEI) and indemnity
combined
– Protection from IP infringement
– Defence and pursuit
– Legal fees insurance
– Indemnity for own businesses losses Contact
Murray Fairclough
Key benefits to members
Address
– Broker access to own ‘quick-quote tool’ and IPI portal
OPUS Underwriting Ltd.
– Fast quote turnaround for non-standard risks
Castle Court
– Access to quality first tier insurers 41 London Road
– A range of LOI’s Reigate
– Easy access to specialist quality lawyers in the event of a claim RH2 9RJ
– BIBA single-number broker helpline
– Underwriting and broker support from our specialist team Telephone
0780 145 9940
020 3920 9985
Email
murray.fairclough@
opusunderwriting.com
Website
www.opusunderwriting.com
BIBA SCHEMES & FACILITIES 2021-22 | FIFTEENBIBA SCHEMES LIABILITY
Opportunity for Yutree focuses on providing an efficient, personal service to our
Winning and retaining brokers. Our bespoke, flexible underwriting style and quality policy
clients with bespoke, flexible wording will help you win and retain clients across a diverse range of
underwriting solutions trades.
Yutree specialises in understanding your client, however large or
small, and providing cover to match their requirements.
Solution for Target risks
A diverse range of trades, – With rates for more than 600 trades, Yutree can consider small
with each risk considered on businesses through to multi-million-pound operations with no
its own merits upper limit on turnover
Key policy features
– Flexible, competitive premiums
– A rated security
– Excellent policy wording
– Low policy excesses
Key benefits to members
– Access to our small team of experienced underwriters
– Efficient, personal service
– Quote exclusivity
– Available to discuss risks over the phone
– Quotes well in advance of target deadlines
Contact
Laura High
Address
15 Kings Court
Newmarket
Suffolk
CB8 7SG
Telephone
01638 675992
Email
underwriting@yutree.com
Website
www.yutree.com/underwriting
SIXTEEN | BIBA SCHEMES & FACILITIES 2021-22LOSS RECOVERY BIBA SCHEMES
Opportunity for
Lorega Ltd are the UK’s leading claims experts, making sure claims are Increasing your revenue
handled quickly, effectively and easily through our range of BIBA- from commissions
endorsed products, including Loss Recovery Insurance and Lorega 10. earned through each
policy sale
Our Chartered Loss Adjusters are on hand throughout the claim
process, giving professional advice to help reduce the impact of a
loss for your clients.
Target risks Solution for
– Loss Recovery Insurance and Lorega 10 are available for Clients who need a
commercial and private clients, providing support from claims professional property
experts to help them get back on track after fires, floods and claims service following
other disasters disrupt their business or home losses over £5k
Key policy features
– 24/7 emergency claims advice line for loss recovery
policyholders. Claims reported during working hours will normally
receive a call back within the hour and, where possible, the
appointed adjuster will look to visit by the end of the next working
day
– No upper limit on the size of the claim or the time involved
– Lorega 10 policyholders will have up to 10 hours of telephone
advice with a Chartered Loss Adjuster
– Fully underwritten insurance products
Key benefits to members
– Access to our industry-commended online quote and buy
system
– Bespoke rates for BIBA members
– Members selling in excess of £15,000 net premium per annum
have access to one of our bespoke training courses for your
Contact
employees on a range of specialist insurance matters
Lee Bennett
Address
36 Leadenhall Street
London
EC3A 1AT
Telephone
020 7767 3070
Email
lbennett@lorega.com
Website
www.lorega.com
BIBA SCHEMES & FACILITIES 2021-22 | SEVENTEENBIBA SCHEMES MARINE
Opportunity for MercariRisk a leading marine insurance specialist working with
BIBA members to address top marine underwriters to provide all types of marine insurance
the marine insurance needs in the UK, Europe and beyond.
of their clients by drawing on
the knowledge and expertise Target risks
of the MercariRisk team – Comprehensive Cargo Insurance based on Institute Cargo
Clauses plus many additional business protection clauses
– Freight liability insurance for couriers, hauliers, warehouse-
keepers, freight forwarders
– Hull and marine liability insurance for commercial vessels,
Solution for charter yachts, commercial maritime operations, super
Importers/Exporters/ yachts and yachts and pleasure craft
Manufacturers/ Repairers/ – Up to £10m limits for cargo and freight liability, £100m for
Wholesalers, Vessel Owners yacht and pleasure craft. Higher limits also available
(commercial and pleasure
craft), Commercial Maritime Key benefits to members
Operations – Accessible experts available 24/7
– Training and support
– Access to marine specialists to provide insights on client
requirements
– Joint client visits available
– End to end claims support and advocacy
– Access to potential new markets for you
Contact
Alan Wilkins
Henry Haystead
Telephone
07512 738 751
07714 679946
Email
alan@mercaririsk.com
henry@mercaririsk.com
Website
www.mercaririsk.com
EIGHTEEN | BIBA SCHEMES & FACILITIES 2021-22MEDICAL TRAVEL BIBA SCHEMES
AllClear, the award-winning specialists in medical travel Opportunity for
insurance since 2000, offers a seamless solution exclusive to BIBA members to extend
BIBA members, for all your non-standard travel insurance needs. your product offering with
Register online now at allclearbiba.co.uk or visit the Members’ specialist 5 Star Defaqto
area of the BIBA website and select Schemes & Facilities. rated cover
Target risks
– Specialist cover for your clients who have difficulty in
obtaining travel insurance due to pre-existing medical
conditions or age Solution for
All your non-standard
Key policy features travel insurance needs
– 5 Star Defaqto rated Gold Plus and Platinum products
– All conditions (including Covid-19 cover). All ages.
– Optional cover:
– Waiting list
– Travel disruption
– Travelling companion
– Excess waiver
– Gadget
Key benefits to members
– Quick, easy online registration
– Dedicated, unique login code
– Simple, fast medical screening process
– Self-issue quotes and policy documentation
– Generous commission at 27.5% of gross premium less IPT
Contact
Technical Services
Address
AllClear House,
1 Redwing Court
Ashton Road
Romford
Essex
RM3 8QQ
Telephone
01708 339384
Email
technicalservices@
allclearinsurance.com
Website
www.allclearbiba.co.uk
BIBA SCHEMES & FACILITIES 2021-22 | NINETEENBIBA SCHEMES PRODUCT RECALL
Opportunity for All manufacturers and distributors have product recall exposure;
Brokers to create a more however, many do not protect themselves or their cash flow. CFC’s
comprehensive risk transfer product recall policies are designed to protect these companies
solution for their against their first-party exposure should a product withdrawal occur.
manufacturing and The event may be triggered by a manufacturing error that causes a
distribution clients product to have the potential to be harmful to health, including
allergen mislabelling, as well as malicious product tamper and
extortion events. Extensions are also available to consider animal
by-product or religious specification driven recalls. CFC also offer
access to consultancy expertise to minimise the risk of a product
Solution for recall event occurring, and to mitigate the aftermath if it does.
Companies wanting to
protect their cashflow as well Target risks
as cover their customer’s – Food and beverage
recall costs in the event of a – Pet food
recall event – Automotive components
– Consumer Goods
– Medical Devices
Key policy features
– Premises and product rectification costs, including redesign and
remanufacture
– Loss of future sales, typically 12 months
– A wide range of costs associated with a recall including investigation,
storage, transport, disposal and destruction of damaged goods, with
third party recall costs covered 100% as standard
– Government Actions and Negative Publicity cover available as
standard
– A modular policy form, so our underwriters can work with you to
Contact come up with a solution that works for the client.
Natasha Catchpole
Lucie Dean
Key benefits to members
Address – Range of crisis consultancy solutions
85 Gracechurch Street – Investigation costs with nil deductible under the policy
London – Dedicated 24/7 CFC crisis management hotline for insureds in the
EC3V 0AA event of an incident
– Response within 48 hours from the team on enquiries
Telephone
020 7220 8500
Email
Productrecall@cfcunderwriting.
com
Website
www.cfcunderwriting.com
TWENTY | BIBA SCHEMES & FACILITIES 2021-22RENOVATION PLAN BIBA SCHEMES
Renovation Plan is a specialist insurance scheme for properties Opportunity for
undergoing construction, renovation or conversion via our online Brokers to offer specialist
broker portal where you can get a quote and purchase cover for insurance cover on
your clients. properties undergoing
construction or renovation
We can cater for all types of project, large or small, including both works
residential and commercial properties. With three levels of cover to
choose from, our products can be tailored to suit your client’s
individual requirements.
Target risks Solution for
– Project values between £25,000 - £5,000,000 including: Clients undertaking
– Standard Extensions/Internal Reconfigurations construction, renovation or
– Barn Conversions conversion works
– Listed Buildings
– Churches/Public Houses /Commercial Properties
– Basement Conversion/Extensions
– New Builds
– Joint Names Policies
– Non-negligence Insurance Requirements
Key policy features
– Three levels of cover to choose from, our products can be
tailored to suit your client’s individual requirements
– Flexible policy terms (3-36 month terms available)
– Covers the existing structure, Contract Works and Liability Contact
– ICF (Insulated Concrete Form) and SIPs (Structured Insulated Louise Kerridge
Panels) considered standard construction Annika Fletcher
– Two weeks’ additional cover past the expiry date Chloe Black
Jodie Warren
Key benefits to members
Address
– Enhanced tools cover
Aston Lark Ltd
– Enhanced hired-in plant limit Key House
– Increased commission to 16.5% (excluding EL which is Burnham Business Park
payable at 10%) Burnham-On-Crouch
– Quote turnaround for standard risks within one working day Essex
– No minimum levels of support CM0 8TE
Telephone
01621 784840
Email
info@renovationplan.co.uk
Website
www.renovationplan.co.uk/brokers
BIBA SCHEMES & FACILITIES 2021-22 | TWENTY ONEBIBA SCHEMES RESIDENTIAL ESCAPE OF WATER AND DISTRESSED RISKS
Opportunity for magenta insurance is an established Chartered Insurance
Brokers to innovate and help Underwriting Agent specialising in non-standard or distressed
vulnerable customers residential property.
With 5 A-rated insurers, we can be flexible in our approach to
supporting your business. We are often able to provide cover where
others cannot.
Solution for
Homes affected by EOW and We are experts in managing EOW risks and we offer an award winning
Distressed risks EOW risk mitigation service. This combines technology and a
monitoring and claims service to manage all aspects of EOW and
help your clients avoid the devastating effects of an EOW event and
obtain cover on improved terms.
£2.5m is paid daily by the insurance industry for EOW claims – the
biggest cause of damage to homes across the UK. Our system
enables early detection and switch-off of water thus alleviating high
volume water damage.
Target risks
– Homeowners with non-standard properties, moral or physical
hazards
– CCJs, owner living overseas, unusual occupancy, stock at home,
visitors to premises
– Distressed risks through poor claims or previous EOW history
Key policy features
– Flexible underwriting approach
– EOW technology with improved terms by magenta insurers
Contact – Wide cover with A-rated insurers , secure capacity
April Stowers
Key benefits to members
Address
Three Whiting Street – EOW solution, delivers meaningful cost savings for policyholders
Bury St Edmunds – Provides brokers with an effective solution for clients
Suffolk – Improve outcomes for policyholders, brokers and insurers
IP33 1NX – Easy to contact, dedicated personnel for each broker
– Flood Re ceded policies available
Telephone
03300 555 210
07849805289
Email
april@magentainsurance.co.uk
Website
www.magentainsurance.co.uk
TWENTY TWO | BIBA SCHEMES & FACILITIES 2021-22TRADE CREDIT INSURANCE BIBA SCHEMES
CMR Insurance Services, a trading style of PIB Risk Services Opportunity for
Limited, is part of PIB Group and holder of a delegated Access to experts in the field
authority with Atradius, a world-leading trade credit insurer. to increase the lines of
We supply a managed trade credit insurance policy that insurance you can offer to
protects businesses that offer credit terms to their customers your clients
against the risk of non-payment. This B2B insurance policy
protects against the risk of a customer failing to pay an
invoice in an agreed time frame. If payment is not
forthcoming, the insurer will pay a claim against that loss.
Solution for
Target risks Protecting the debtor book
– UK businesses trading with domestic and/or export of a business. Claims are
businesses paid against non-payment
– Companies that offer or intend to offer credit terms to of invoices
their clients
– Companies looking to protect their largest asset, their
trade debtors
Key policy features
– Protection against the risk of non-payment
– Helps to improve cash-flow
– Up-to-date credit information on key clients
– Increased new business and repeat sales
Key benefits to members
– Instant access to an experienced, knowledgeable and
dedicated team
– Help your clients stay competitive – your clients can use
trade credit insurance to offer extended credit terms to
their customers
Contact
– We handle all client matters regarding the policy on your
Chris Hoy
behalf
– Enhanced commission Address
Knollys House
17 Addiscombe Road
Croydon
CR0 6SR
Telephone
020 8773 5596
Email
BIBA@cmris.co.uk
Website
www.BIBA.cmris.org.uk
BIBA SCHEMES & FACILITIES 2021-22 | TWENTY THREEBIBA SCHEMES TRANSPORTATION
Opportunity for Formed in 1976, Ratcliffes is an established Haulage and Transport
Brokers seeking reliable specialist and a long-standing BIBA member. We are also an
transport insurance from experienced and proven wholesaler who understands broker
industry experts requirements. Our Transportation schemes cater for a wide range
of commercial vehicle risks from single vehicles to fleets.
Target risks
– Goods-carrying vehicles, 7.5 tonne and upwards a speciality
Solution for – Single vehicles, Mini fleet and Fleets
Brokers with occasional – Business cars, including single vehicle risks
transport risks or a large – Specialist vehicles e.g. cement mixers, tippers
transport portfolio – Couriers
– Hard to place risks including hazardous goods, vehicles over
44 tonnes and tankers
Key policy features
– Panel of leading A rated UK insurers
– Quotes tailored to customers’ needs
– Transfer from Fleet rated basis to NCB rated on downsizing
– Annual EU cover available
Key benefits to members
– Fast quote service
– Dedicated sales and servicing teams
– Immediate document issue with key insurers
– No minimum levels of support
– M R Ratcliffe Claims App
Contact
Sam McQuoid
Adrian Blay
Address
Wolseley House
Cheltenham
GL50 1TH
Telephone
01242 544536
01242 544514
Email
sam@ratcliffes.co.uk
adrianblay@ratcliffes.co.uk
Website
www.ratcliffes.co.uk/brokers/
biba/
TWENTY FOUR | BIBA SCHEMES & FACILITIES 2021-22UNOCCUPIED PROPERTY BIBA SCHEMES
Camberford Underwriting has evolved its vacant property scheme Opportunity for
during over a decade of working with BIBA brokers. Our brokers to place a range
of unoccupied buildings risks
Target including policyholders with
Sum Insured: Up to £1m a mix of occupied and
Type: unoccupied locations
– Residential
– Part occupied
– Not Listed
– Probate/For Sale
Solutions
Security: Strong security features such as monitored alarms, live possible for broker portfolios
in caretakers or security guards. and targeted campaigns
Also Considered
Sum Insured: Up to £6m
Type:
– Commercial & Industrial
– Grade 2 listed
– Undergoing Works
Security: Commensurate with risk size and profile.
Key benefits to members
– Increased commission
– Flexible underwriting
– Direct access to scheme underwriters
– Fast quotation turnaround
Contact
Russell Carter
Address
Lygon House
50 London Road
Bromley
BR1 3RA
Telephone
020 8315 5000
Email
property@camberford.com
Website
www.camberford.com
BIBA SCHEMES & FACILITIES 2021-22 | TWENTY FIVEBIBA SCHEMES YOUNG DRIVER TELEMATICS
Opportunity for Marmalade’s young driver insurance provides a solution for brokers
Brokers looking to increase to grow their share in the young driver market with access to
their share of the young telematics and car-sharing schemes – Black Box Insurance, Named
driver and car-share Young Driver Insurance, Pay As You Go Insurance, Learner Driver
markets Insurance and Student Driver Insurance.
Target risks
– 17-34 year olds (depending on product)
– Full and provisional license holders
Solution for – Sharing a friend or family member’s car
Brokers struggling to place – Using own car
young driver or car-sharing
business Key policy features
– Able to have their own car or share with a friend or family
member
– No curfews – drive 24/7
– Variety of products to fit all car-sharing insurance needs
– Competitive pricing for provisional and full license holders
Key benefits to members
– £100 increase to personal belongings cover across all insurance
products
– Personal Business use as well as social, domestic, pleasure and
commuting on Black Box Insurance
– Access to Marmalade’s exclusive broker dashboard
– Multi-quote facility
– Dedicated broker support team
– Free marketing material
Contact – Commission is paid monthly by BACS
Andy Martin
Address
Marmalade House
Alpha Business Centre
Mallard Road
Bretton
Peterborough
PE3 8AF
Telephone
01733 907402
Email
broker@marmalade.co.uk
Website
www.marmaladebroker.co.uk
TWENTY SIX | BIBA SCHEMES & FACILITIES 2021-22BIBA FACILITIES
BIBA SCHEMES & FACILITIES 2021-22 | TWENTY SEVENBIBA FACILITIES AFTER THE EVENT
Opportunity for
Providing clients with a Lorega are the UK’s leading policyholder claims experts, providing
professional claims bespoke after the event services to help get your clients back on
service on all property track after fires, floods and other disasters disrupt their business or
and liability losses home.
Instant access to this professional claims service, provided by our
Chartered Loss Adjusting subsidiary, Lorega Solutions, is available to
all clients of BIBA members.
Solution for
Clients facing Key benefits to members
problems with their – Tailored professional service provided by dedicated Chartered
business or home Loss Adjusters, with unrivalled experience, working on complex
insurance claim claims for both commercial and private clients
– Expert professional guidance throughout the claim process,
providing total claims project management
– Practical advice about how to mitigate the impact and effect of
the loss
- Assistance with identifying suitable contractors and suppliers
for the repair or restoration of your client’s damaged property
– Frees up both management and staff of clients to concentrate
on business recovery and customer protection, without having
to worry about servicing insurers’ requirements
– Helps your clients to achieve the fairest and fastest settlement
possible under the insurance policy
– Agreed discounted rates for clients of BIBA members
– Access through Lorega Surveying Services to expert building
surveyors working alongside our loss adjusting services,
providing a dedicated surveying service focused on insurance
claim reinstatement which aims to get business and
homeowners back on track as quickly as possible
Contact
Lee Bennett
Address
36 Leadenhall Street
London
EC3A 1AT
Telephone
020 7767 3070
Email
lbennett@lorega.com
Website
www.lorega.com
TWENTY EIGHT | BIBA SCHEMES & FACILITIES 2021-22BIBA LITMUS TEST REPORT BIBA FACILITIES
Litmus Analysis is a specialist consulting firm whose team has very Opportunity for
extensive and senior experience working in major rating agencies Reviewing the financial
such as S&P and A.M. Best. Litmus works with insurance market profile of unrated insurers
participants on market security, understanding credit ratings and
the financial profiling of insurers.
The BIBA Litmus Report (BLTR) gives a straightforward picture of
some of the key financial information contained within an unrated Solution for
insurer’s audited accounts. The BLTR calculates several key ratios Supporting the broker’s
for each insurer and compares these to a set of UK market due diligence process
benchmarks. Each ratio is assigned one of 5 “categories” (from when considering use of
“strongest” to “weakest”) indicating where it falls relative to the UK unrated insurers
benchmarks.
Also within the service are extensive educational and explanatory
materials to help brokers understand and interpret the
information provided.
Key benefits to members
– Free look-up service to any member via the BIBA website
– Reports are ‘pre-loaded’ and instantly deliver a ‘picture’ of
relative strength and weakness in key ratios
– User-friendly guide materials ‘walk’ a non-expert through
what it all means
– A fundamental supporting tool for any broker reviewing an
insurer’s audited accounts
– Litmus attends the BIBA conference to answer and explain
any technical questions members may have
Contact
Mike Hallam at BIBA
Address
John Stow House
18 Bevis Marks
London
EC3A 7JB
Telephone
020 7397 0204
Email
hallamm@biba.org.uk
Website
www.biba.org.uk/members/
biba-schemes/
BIBA SCHEMES & FACILITIES 2021-22 | TWENTY NINEBIBA FACILITIES CLAIMS MADE EASY
Opportunity for Insure Apps is the only BIBA endorsed claims app provider. Built
Broker to embrace for brokers, by brokers, users can have their own app or use
technology and give Made Easy to allow their clients to report claims quickly and
their clients a proven clearly to their broker and/or insurer, reducing the cost of a claim
and effective new way of and subsequent premiums.
reporting claims
Key benefits to members
– Your own app branded to your business or sub-branded on
to Claims Made Easy
– Ability for clients to report directly to the broker, insurer or
Solution for FNOL company
Slow and incomplete – Ability to report motor, property and liability claims through
reporting of claims which the app
results in millions of pounds – Claims reported in as little as six minutes after the incident
of unnecessary costs every occurring
year across the insurance – Claims information including date, time, GPS with map
industry confirmation, DVLA look-up, police and witness details as
well as photographs and vehicle damage display
– Full back-office for reported claims, allowing better
management
– Insurer deals with rebates and reduced premiums
– Improved deal as a BIBA member, lower price, more
downloads
– A way to be proactive and different in a competitive
marketplace
Contact
Stephen Marshall
Gareth Stubbs
Address
Avian House
Brook Street
Broughty Ferry
Dundee
DD5 1DJ
Telephone
0333 5774 440
Email
stephen@insureapps.co.uk
gareth@insureapps.co.uk
Website
www.insureapps.co.uk
THIRTY | BIBA SCHEMES & FACILITIES 2021-22MENTAL HEALTH AT WORK TRAINING & SUPPORT BIBA FACILITIES
Mental Health in Business (MHIB) Ltd is a leading workplace mental Opportunity for
health education & training service provider. The business was founded Firms to establish a mental
with a mission to empower businesses to effect positive cultural change health strategy that
around mental health and wellbeing. complies with government
guidelines
We work closely with businesses to establish lasting change when it
comes to mental health and wellbeing in the workplace.
Our education, training and support programmes are in line with the
latest government guidelines, ensuring that those businesses we work
with are leading the way in employee mental health and wellbeing. Solution for
Provision of accredited
Benefits to members mental health training,
– Working within government recommendations for workplace education, coaching and
mental health & wellbeing support- for businesses of
– Supporting you to create a mentally healthy workplace, giving you all sizes
more time to focus on your business
– Accredited mental health first aid training, in person or online
– Early prevention of more serious mental ill health
– Reduce risks to the business under health & safety, and
employment law
– Employers legal, moral & ethical obligations being upheld
– A happier & more inclusive workforce
– Retention of talent
– Increased productivity & engagement
– Less absenteeism and presenteeism
Special Offer for BIBA Members
Every BIBA broker is entitled to a 15% discount on all of our services.
Contact
Claire Russell
Address
8 Mercia Business Village
Coventry
CV4 8HX
Telephone
01788 340180
Email
biba@mhib.co.uk
Website
www.mhib.co.uk
BIBA SCHEMES & FACILITIES 2021-22 | THIRTY ONEBIBA FACILITIES PREMIUM FINANCE
Opportunity for We are the No.1 premium finance company in the UK & Ireland,
Commercial and Personal and the only one accredited by BIBA. We are a Purpose-led
lines brokers, Networks and business, proudly supporting our community of customers and
Insurers partners in creating opportunities through convenient
payments. We provide over 2 million customers with a seamless
finance option and more than 3000 partners with access to
market-leading technology, CPD-accredited training, and
insightful data.
Solution for
Growing your business with Key benefits to members
a fully compliant premium – Largest team of dedicated Account Managers to help you
finance offering grow your business
– Innovative digital solutions:
– The only provider who can fully integrate finance within a
retail broker’s online customer journey
– A broker portal offering all payment options via email
reducing administration and enabling a compliant,
repeatable process
– A portal for customers to sign agreements, make
payments and update their details online – Integrations
with all the major software houses
– CPD-accredited training delivered by our Capability
Managers
– Highly competitive rates and service
– Client analytics identifying opportunities to improve
retention and drive growth
Contact
Matt Booth
Address
Ermyn House
Ermyn Way
Leatherhead
Surrey
KT22 8UX
Telephone
01372 744 767
Email
VAM@pcl.co.uk
Website
www.premiumcredit.com
THIRTY TWO | BIBA SCHEMES & FACILITIES 2021-22S&P GLOBAL INSURANCE RATINGS BIBA FACILITIES
S&P Global Market Intelligence is a division of S&P Global (NYSE:SPGI), Opportunity for
which provides essential intelligence for individuals and companies Reviewing the financial
to make decisions with confidence. profile of rated insurers
By unifying the highest quality data and industry-leading solutions
on the S&P Capital IQ and Market Intelligence (previously SNL)
platforms, we integrate news, comprehensive market and sector-
specific data and analytics into a variety of tools to help clients track Solution for
performance, generate alpha, identify investment ideas, Supporting broker’s due
understand competitive and industry dynamics, perform valuation, diligence process when
and assess credit risk. considering use of rated
insurers
Key benefits to members
– Provides valuable S&P Global Ratings credit research and
ratings for UK and Ireland insurance sector companies
– Insurance Markets from S&P Global Market Intelligence provides
essential industry intelligence for insurance professionals
– S&P Global Market Intelligence tools help you monitor
developments and perform more efficient analysis by
providing you with access to insurance-specific global
coverage, financial strength ratings, summarised financial
data, sector-specific news and commentary, and the tools to
combine all of these into a customised portfolio
Contact
Christina La Rocca
Address
20 Canada Square
Canary Wharf
London
E14 5LH
Telephone
020 7176 7022
Email
christina.la.rocca@spglobal.
com
Website
www.spglobal.com/
insurancesolutions
BIBA SCHEMES & FACILITIES 2021-22 | THIRTY THREEBIBA FACILITIES SANCTIONS CHECKING
Opportunity for Financial Sanctions and Anti-Money Laundering legislation is
Firms to get a proper handle challenging firms more each day. SanctionsSearch.com is designed
on their Financial Sanctions to ease that burden by delivering a robust and simple suite of tools
compliance to users. With Sanctions and PEP (Politically Exposed Persons)
compliance handled along with complementary tools for electronic
ID verification and business intelligence, from CompanyLookup,
SanctionsSearch can be the one-stop affordable solution.
Solution for Now with DBS (criminal records) screening, allowing firms to comply
Handling issues surrounding with the Senior Managers and Certification Regime.
financial crime legislation in
an affordable and simple way Key benefits to members
– Membership funded by BIBA
– Additional costs subsidised by BIBA
– New Disclosure and Barring Service (DBS) screening for
assistance with IDD and SM&CR requirements
– 150 search credits included in membership
– Additional search credits only £10 per 150
– Ability to screen against multiple sanctions lists e.g. HMT, OFAC
– Re-screening data after every sanctions update
– Bulk screening available
– PEP screening
– Unlimited sub-user accounts with no additional cost
– Live Companies House info available - directors/shareholders
– API for automated screening from websites or systems
– Simple, fully-compliant process
– Full audit trail to confirm compliance
– Electronic anti-money laundering checks
– Enhanced company data with credit information
– Document validation such as passports and driving licences
Contact
– CCJ, bankruptcy and IVA information
Chris Clare
– All data fully encrypted and GDPR compliant
Address – ISO27001 & ISO9001 certified company
45 Market Street
Hoylake
Wirral
CH47 2BQ
Telephone
0151 633 2876
Email
info@professionaloffice.co.uk
Website
www.SanctionsSearch.com
THIRTY FOUR | BIBA SCHEMES & FACILITIES 2021-22VALUATION
Under-insurance remains a prevalent issue within the UK and the Opportunity for
financial impact this can have on your client at the time of a claim Brokers to help clients to set
should not be under-estimated. The BIBA Valuation Facility ensures accurate values at risk
that the correct values at risk are calculated prior to a loss, thus
minimising the risk of contention when a claim arises.
Key benefits to members
– Unique service for BIBA members Solution for
– Discounted rates to BIBA members, covering: Helping brokers solve the
– Buildings – both commercial and household/high net problem of under-insurance
worth
– Plant, machinery and contents
– Business interruption
– Fine art and antiques
– Market-leading rates for multi-site and property owners’
portfolios
– Delivered by qualified loss adjusters and surveyors
– Desktop re-valuations available for properties previously
valued by QuestGates
Contact
Alistair Steward
Address
11a The Wharf
Bridge Street
Birmingham
B1 2JS
Telephone
0121 794 3150
Email
alistair.steward@questgates.co.uk
Website
www.questgates.co.uk
BIBA SCHEMES & FACILITIES 2021-22 | THIRTY FIVETHE BIBA PROFESSIONAL INDEMNITY INITIATIVE
The BIBA PI Initiative offers members help with
Professional Indemnity (PI) Insurance-related
risk and claims management
Many members arrange their own PI. However, if you require
additional assistance, BIBA has three accredited brokers who can
provide competitive and specialist PI for members should you
choose to use them.
These brokers are listed on the coming pages and have been
selected for their proven knowledge of PI insurance and their ability
to provide optimum policy protection for insurance brokers’ PI
liability risks.
Members are encouraged to negotiate directly: we are confident
that the accredited providers have the skill and incentive to serve
our members well.
In addition to access to specialist PI cover, the initiative covers wider
issues such as understanding the most common causes of claims,
what measures can be taken to avoid them and how to arrange an
appropriate policy for your brokerage.
BIBA’s Professional Indemnity Initiative helps members to:
– Obtain optimum protection for their professional liability risks
– Fully appreciate the risks associated with being an insurance
broker
– Avoid breaches of regulation and claims of negligence
– Access specialist support in notifying, managing and negotiating
complaints and claims
– Benefit from an effective approach to liability risk management
The BIBA website has a dedicated members’ PI section with
further resources, publications and guidance.
For more information go to:
www.biba.org.uk/members/pi-initiative
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