British Insurance Brokers’ Association Schemes and Facilities … · 2015. 12. 23. · and...

British Insurance Brokers’ Association

Schemesand Facilities brochure

Exclusive to membersThe best insurance is a BIBA broker

www.biba.org.uk

Member helpline: 0844 77 00 266

BIBA SchemesIntroduction.................................................... . ..................................................................... 4

Scheme ProviderCommercialPackageandCombined.............. . TowergateUnderwriting................................ 5CommittedPaymentsPlan............................. . MillenniumInsurance..................................... 6CreditManagementandBonds...................... . PerkinsSladeLtd.......................................... 7CyberLiability................................................. . CFCUnderwritingLimited............................. 8Directors’andOfficers’Liability........................ . BluefinInsuranceServicesLimited................. 9EnvironmentalLiability..................................... . GallagherEnvironmental............................. 10ExcessPublicandProductsLiability................ . CNAInsuranceCompanyLimited................ 11GroupPersonalAccidentandBusinessTravel.. ACEEuropeanGroup.................................. 12HaulageandLGVInsurance(MotorRISK)........ . BluefinInsuranceServicesLimited............... 13HighNetWorth............................................... . SterlingInsuranceCompanyLimited........... 14HolidayTravel................................................. . TokioMarineEuropeInsuranceLimited........ 15IndividualPrivateMedicalInsurance................ . JelfWellbeing............................................ 16LateNightEntertainment(ClubPM)................. . Tasker&PartnersLimited............................ 17LetProperty(BIBALet)..................................... . BarbonInsuranceGroupLimited................. 18LossRecoveryInsurance................................ . Lorega........................................................ 19MarineCargo.................................................. . NorthernMarineUnderwritersLimited......... 20MedicalTravel................................................. . AllClearInsuranceServices......................... 21NonStandardProperty................................... . BureauInsuranceServices.......................... 22PrivateMotorandCommercialVehicle............. . BrokerDirectplc......................................... 23UnoccupiedProperties................................... . CamberfordLawplc.................................... 24

BIBA FacilitiesIntroduction.................................................... . ................................................................... 25

Facility ProviderInsuranceRatingsView................................... . Standard&Poor’s....................................... 26PersonalLinesAdministration......................... . EquityDirectBrokingLimited...................... 27PremiumFinance............................................ . PremiumCreditLimited.............................. 28ValuationServices.......................................... . CunninghamLindsey.................................. 29

The BIBA Professional Indemnity initiativeIntroduction.................................................... . ................................................................... 30

PI initiative ProviderBIBA-accreditedPIbroker.............................. . HowdenInsuranceBrokersLimited............ 31BIBA-accreditedPIbroker.............................. LocktonCompaniesInternationalLimited... 32BIBA-accreditedPIbroker.............................. TowergatePartnershipLimited.................... 33

Contents3

BIBASchemes4

DearMember

BIBASchemesprovideexclusiveproductsthataddvalueandprovidenewopportunitiesformembersbyofferingaccessthatmaynototherwisebeavailable.

BIBAhasnegotiatedbespokeproductswithanumberofspecialistserviceproviderstooffermembersawiderangeofexclusiveschemestooffertoyourclients.Theseaddstrengthtoyourbusinessbyprovidingyouwiththeessentialtoolsyouneedtoretainacompetitiveedge.

BIBA Schemes are:–exclusivetomembers–quickandeasytouseandsell–specificallytailoredtomeetmembers’andtheirclients’needs–manyschemesnowavailableviainternet–recommendedbyBIBA’sGeneralInsuranceBrokers’Committee–unique–opentoallmembersirrespectiveoftheirgeographicallocation–availablewithnominimumlevelofsupport.

Schemes offer:–increasedbusinessopportunities–excellentservice–adviceandsupportfromtheexperiencedschemeprovideron sellingtheproduct–accesstoagenciesanduniquemarkets–competitivepremium–market-leadingproducts–greaterprofitability.

Everyschemeisspecificallyselectedtoprovidememberswithproductsthatwilladdvaluetotheirbusiness.AllincomederivedfromBIBAschemesisinvestedstraightbackintomembership.

Eric GalbraithBIBAChiefExecutive

BIBASchemes5

TowergateCommercialUnderwritingbelievesinhelpingtomanagetherisksthatbusinessesface.ThisgivesBIBAmembersastrongdifferentialinthemarketofferingTowergateCommercialUnderwriting’suniqueriskmanagementpackage–includedautomaticallyinyourclient’scover.

– Enhanced/negotiablecommission– Allbusinesstransactedonline– Market-leadingwording– StatementofFact–nosignatureneeded– Freetrainingprogrammes,includinghealthandsafetytraining– Competitivepricingwithpricematchofexistingtermsfor

accounttransfers,flexiblenewbusinessratingand£250+IPTminimumpremium.

Coverisavailableforoffices,retailers,guesthouses,surgeriesandcommercialcombined.

–Commercial Package and Combined–Towergate Underwriting–Justin Wright–The Octagon, Middleborough,

Colchester, Essex, CO1 1TG–0844 892 0965–0844 892 0966–[email protected]

Commercial Package and

Combined

SchemeProviderContactAddress

TelephoneFax

Email

BIBASchemes6

Committed Payments Plan


TelephoneEmail

Website

TheBIBA‘CommittedPaymentsPlan’willhelptoprotectallyourclients’monthlyfinancialcommitmentsthatarepaidbyregulardirectdebitorstandingorders.

Theplanhasbeendesignedtopayalltheirregularbillseachmonthifyourclientisunabletoworkduetodisabilityorinvoluntaryunemploymentandalsoprovidesfreepracticalbacktoworkassistanceservices,andlegalprotectioncovershouldthingsgowrong.

Features– 22.5%commission,eachyearforthelifeofthepolicy– Standalone,flexibleandportable,nottiedtoanylenderorlinked

toanymortgageorloan– Abilitytoprotectregularbillpaymentsof£200to£2000permonth– Optionallifecover–theabilitytoprovideasuminsuredfrom

£2,400to£24,000– Backtoworkassistance–confidentialandindependentadvice

programmeofferingpracticalassistancesuchasCV’s,interviewskillsandaccesstojobvacancydatabase

– Legalprotection–upto£50,000professionallegalhelpinappealingordefendingdisputedemploymentcontractsornegotiatingasettlementforbodilyinjuryandtaxhelpline24/7.

Alternatively,areducedcashpaymentplanisalsoavailablewhichpaysoutaone-off£1,000taxfreelumpsumonnotificationofredundancytohelpwiththoseextracostsyourclientshavewhilstsearchingforanewjob.

ToapplyforanagencyforCommittedPaymentsgotohttp://www.millenniuminsurance.co.uk/MIBcorporate/ApplyOnline.aspx

–Committed Payments Plan–Millennium Insurance Brokers Limited –Stephen Clowes–Unit G3, Lacy Way, Lowfields Business Park, Elland, HX5 9DB–0844 412 4153–[email protected] –www.millenniuminsurance.co.uk/

MIBCorporate/ApplyOnline.aspx

BIBASchemes7

CreditManagementandBondsfromPerkinsSladeLtdoffersBIBAmembersaccesstoexpertadviceoncreditrisksandsolutionsdesignedtoimprovefinancialsecurityandcreditcontrol.BIBAbrokersalsobenefitfromspecialcommissionarrangements,preferentialratesandawidescopeofcover.

CreditManagementandBondsprovidesanadditionalsourceofrevenueaswellasameansofincreasingcustomerloyaltyandprovidingsecurityinacompetitivemarket.

Key features include:– accesstocreditinsurance,bonds,businessfinance,collections

andcreditreportsfrommarket-leadingproviders– expertadvicefromanexperiencedteamwithcombined

experienceofmorethan100yearsincludinginternationalexpertiseandtechnicalspecialisminpoliticalrisks

– productsandservicesthatactivelyhelptoreduceclientfailurebyencouragingrobustcreditmanagement.

–Credit Management and Bonds –Perkins Slade Ltd–Darren Felsenstein–3 Broadway, Broad Street,

Birmingham, B15 1BQ–0844 875 8148–0121 625 9000–[email protected] –www.biba-credit-and-bonds.com

Credit Management

and Bonds


TelephoneFax

EmailWebsite

BIBASchemes8

Mediaandtechnologyarerevolutionisingthewaywecommunicateandchangingthewaybusinessesoperateandgrow.Thisisgivingrisetoanewbreedofrisksthatarenotcoveredbytraditionalinsurancepolicies.Intellectualpropertyrightsinfringement,invasionofprivacy,defamation,inadvertentlossofsensitivedata,andbusinesssystemsinterruptionarisingfromtheuseofemail,internetandsocialmediaarejustafewofthenewrisksfacedbycompaniestoday.

Esurance® CPM from CFC Underwriting provides:– comprehensivemedialiability,includingcoverfor

usergeneratedcontent– coverforsecuritybreaches,bothonlineandoffline– breachofcontract,includingnon-disclosureagreements– cyberliability,professionalliabilityandprivacybreach

notificationcosts– coverforliabilityarisingfromcomputervirusesandhacking– fullworldwidecoverasstandard– premiumsstartingfromaslittleas£300.

–Cyber Liability –CFC Underwriting–Scott Sayce–85 Gracechurch Street, London, EC3V 0AA–020 7220 8500–[email protected]–www.cfcunderwriting.com

Cyber Liability


TelephoneEmail

Website

BIBASchemes9

BluefinhasteamedupwithBIBAtoofferadirectors’andofficers’(D&O)insurancescheme,designedtoprovidecoverforlegaldefencecosts,andwhereappropriate,anyfinalsettlementorcompensationawardintheeventofaclaim.

– Onlinequoteandbindsystem– 27%commission– Fullynon-rescindableintheeventofnon-disclosure– Pre-investigationcostscovered– Entitycoverof£250,000isautomaticallyincluded.

PolicyincludesacontinuouscoverclauseresultinginnolossofcoverwhereapolicyistransferredtoBluefinfromanotherinsurer.

–BIBA D&O–Bluefin Insurance Services Ltd–Laura High–14 Kings Court, Willie Snaith Road, Newmarket, Suffolk, CB8 7SG–01638 782465–[email protected]–www.bluefingroup.co.uk

Directors’ and Officers’

Liability


TelephoneEmail

Website

BIBASchemes10

Environmentalliabilityinsurance(orpremisespollutionliability)hastraditionallybeenexpensiveanddifficulttoobtain–thisisnolongerthecase.bibaenvironmental.comprovidesaccesstopreferentialpremiumsandcoverviaACEonline.

– Complementary/compensatorydamage(includingbiodiversity damage)asrequiredbytheEuropeanEnvironmentalLiability Directive2007–nowimplemented.

– GradualPollutioncovercanbeprovidedforoperationalrisks goingforwardandhistoricalrisk(retrospectively).

Cover highlights:– costsincurredfollowingthediscoveryofpollutiononandoff-site

whereacleanupisimposedbyregulatorsorrequiredbythirdparties– liabilityforthird-partybodilyinjury,propertydamageand

clean-upcosts.

USPs for BIBA members:– specialistBIBAmemberpremiumsstartat£400+IPT– freeinclusionofafirst-partybusinessinterruptionextension– quotedandboundonlinewithinstantpolicyissue– bespokequotesofflineforlarge/internationaloperations, contractors,pollution,liabilityandhistoricalcoverforproblemsites.–Environmental Liability–Gallagher Environmental–Ben Sharp/Laureen Wright –6 Alie Street, London, E1 8DE–020 7204 6096–[email protected]–www.bibaenvironmental.com

Environmental Liability


TelephoneEmail

Website

BIBASchemes11

Cnaexcess.co.ukprovidesmemberswithquickandeasyaccesstoaffordableexcesspublicandproductsliabilityinsuranceforsmalltomediumsizedUK-basedbusinesses.

The benefits of cnaexcess.co.uk include:– quoteandbindcoveronlineforover1,600businesses– availableforcompanieswithupto£50millionturnover. Higherturnoverscanalsobeboundonlinefollowingapproval fromaCNAunderwriter– upto£10millionadditionalcoveravailableabovethe

underlyinglimit– bindmid-termadjustmentsandmanageyourrenewalsonline– allmajorinsurers’wordingsaccepted– enhancedcommissionforBIBAmembers.–cnaexcess.co.uk–CNA Insurance Company Ltd –Louise Shone–7th Floor, 1 New York Street, Manchester, M1 4HD–0161 242 4445–0161 242 4411–[email protected]

Excess Public and

Products Liability


TelephoneFax

Email

BIBASchemes12

TheACEGroupPersonalAccidentandBusinessTravelschemeprovidesBIBAmemberswithaquick,simpleandcomprehensiveproductsolutionforclientswishingtoprotecttheirmostvaluableasset,theiremployees.

Providingawiderangeofpersonalaccidentbenefitsandeithersingleormulti-tripbusinesstravel,thisfacilitycanbetailoredtosuitSMEsthroughtoblue-chipmultinationalbusinesses.

The key features are:– anenhancedwording,including“rehabilitationandcasemanagement”and£100,000oflegalexpensescover– dedicatedaccidentandhealthservicingteamprovidingahighlevelofbrokerservice,includingonlinefulfillment– market-leadingclaimshandlingandsettlementservice– enhancedpolicypricingwithaBIBAmemberdiscount

of7.5percent– accesstoACEBusinessClassAssistanceservices– variablelevelsofcommission.

–Group Personal Accident and Business Travel–ACE European Group–Faye Lovegrove–Ashdown House, 125 High Street,

Crawley, West Sussex, RH1 1DQ–0800 519 9910–[email protected]

Group Personal

Accident and Business Travel


TelephoneEmail

BIBASchemes13

Bluefinspecialisesinsupplyinginsurancesolutionsforthefreightandtransportindustry.TheBIBAschemeoffersmotorinsuranceforlargegoodsvehicles(over5tonnes)whethertheyarecarryinggoodsforotherpeople,oronanowngoodsbasis.

– Competitiveratesforhaulageandskipandwastetrades– Introductorydiscountsfornewventures– Canaccommodatevehiclesthatcarryhazardousgoods(excludingUNclasses1and7)– Automaticattachedanddetachedtrailercover CanaccommodatevansforowngoodswhereweinsureaHGV– EnhancedcommissionforBIBAmembers.

–MotorRISK BIBA–Bluefin Insurance Services Ltd–Samantha Todd–14 Kings Court, Willie Snaith Road, Newmarket, Suffolk, CB8 7SG–01638 782217–[email protected]–www.bluefingroup.co.uk

Haulage and LGV

Insurance


TelephoneEmail

Website

BIBASchemes14

Executive Homeprovidescoverforclientsthathavecontentsworth£75,000andabove.Executive Plusprovidesexceptionalcovertoclientsthathaveacquiredpossessionswithavalueof£200,000ormoreorpaymorethan£2,000premiumperannum.

Executive Home includes:– homeemergencyandidentitytheftcover– unlimitedalternativeaccommodationandtraceandaccesscover– acomprehensivefineartandantiquesectionincludingnew purchases,deathofartistanddefectivetitlecover.

Executive Plus includes:– extendedreplacementonbuildingsandcontents– afreewalk-throughvalidationbyLyon+Turnbull– Loregaclaimsconciergeserviceandanallinclusivecrisis managementsectionincorporatingRed24– anupgradedreplacementofjewelleryoption.

–BIBA High Net Worth–Sterling Insurance Company Ltd–Mark Arends–50 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4JX–0845 271 1445–0845 271 1467–[email protected]–www.sterlinginsurancegroup.com

High Net Worth


TelephoneFax

EmailWebsite

BIBASchemes15

TheenhancedBIBAProtectTravelInsurancescheme–nowincludingfinancialfailureprotectionasstandard–offersyouaweb-basedsolutionthatenablesyoutoselltravelinsurancethroughyourownbrandedwebsite,upgradepoliciesmid-termandrenewonline.YouwillalsohaveaccesstobespokeunderwritingviadecisionmakingunderwritersatTokioMarineEuropeInsuranceLimited.

– Agelimit85forsingletrippolicy,75forannualmulti-trippolicy andindependenttravelpermittedforallinsuredpersons, includingchildren.– Afamilypolicycancoverdependentchildrenundertheageof 24yearsifstillinfull-timeeducation,andinfantsagedunderfour yearsarecoveredforfreeonanyadultpolicy.Singleexcessapplies perfamily,perincident.– Noterrorismexclusion– Manyhazardoussportsincludedasstandard– Pre-existingmedicalconditionsmaybecovered,subjectto medicalscreening– Coverfortheinsolvencyoftheairlineandotherendsuppliernot formingpartofapackageholiday.

–BIBA Protect Travel Scheme–Tokio Marine Europe Insurance Limited–Geoff Chapman and Dipesh Patel–150 Leadenhall Street, London, EC3V 4TE–020 7398 2944 / 020 7398 2948–020 7398 2940–[email protected]–www.tokiomarine.co.uk

Holiday Travel


TelephoneFax

EmailWebsite

BIBASchemes16

Privatemedicalinsuranceisavaluablebenefitforyourindividualandownermanagerclients,givingpeopleaccesstopromptconsultationandtreatment.

BIBAmembershaveaccesstothebespokeMYWellbeingplans.Theseplans,broughttoyoubyJelfandunderwrittenbyAXAPPPhealthcare,offerarangeofcoveroptionsfromlow-costbudgetplanstocompetitivelypricedcomprehensiveschemes.

– Options forpeoplebothwithorwithoutexistingcover– Fourcoreplansthatcanbeenhancedtoincludepsychiatriccover– Premiumreductions,withupto7.5%offexistingrenewalterms– Furtherreductionsthroughincreasedexcessor6weekoptions– Enhancedcoverformonitoringofspecifiedconditions– OperateswithaNoClaimsBonusasstandard– SimplifieddeclarationforMedicalHistoryDisregardedtransfers.

–Individual private medical insurance (my Wellbeing)–Jelf–Katie Cook, Jelf Individual Healthcare Team–Endeavour House, Crow Arch Lane, Ringwood, Hants, BH24 1HP–0800 11 6 4512–01425 484 918–[email protected]–www.jelfgroup.com

Individual Private

Medical Insurance


TelephoneFax

EmailWebsite

BIBASchemes17

ClubPM,ClubEXandNightscenecomprisethesuiteofproductsspecificallydesignedforlatelicencedvenues,providedbyTasker&Partners.WeprovidetherightproductforyourNightclub,Gentlemen’sCluborLateNightBarcustomers.

– Quotationsandcovercanbearrangedandboundonline– AgreeTermsofBusinessandbeupandrunningonlineinminutes– Ourproductsfeaturelowexcessesandhighly

competitivepremiums– Uniquecoverextensionsandincreasedcommissionfor

BIBAmembers– FreeRiskManagementProgrammeforClubPMpolicyholders– Underwritten100%byARatedInsurersexclusivelyto

BIBAmembers.

–ClubPM Late Night Entertainment Scheme–Tasker & Partners Ltd–Lucy Wise and Barry Reynolds–3 Lloyds Avenue, London, EC 3N 3DS–0207 623 4133–[email protected]–www.clubpm.co.uk

Late Night Entertainment


TelephoneEmail

Website

BIBASchemes18

Manylandlordsdonothavetheappropriatetypeorlevelofcoverinplacetoprotecttheirinvestment.

AtBIBALetwespecialiseinprovidingtailor-madesolutionsfortheResidentialLetMarket.

Why use BIBALet? Coverincludeslandlords’buildings,contents,blockofflats,

tenantscontents,UKholidayhomes,legalexpenses,rentguarantee,homeemergencyandresidentialportfolios.

– Competitiveratesforprofessionaltenants,DSSandstudents– EnhancedcommissiondealsforBIBAbrokersandnominimum volumeforanagency– Onlinequoteandbuysystem– Dedicatedteamofferingaswiftandpersonalisedservice– Dedicatedclaimsaccounthandler.

–BIBALet–Keelan Westall, a division of

Barbon Insurance Group Limited–Amy Flintham, Distribution Manager–9 Highview, High Street, Bordon, Hampshire, GU35 0AX–0755700159 / 01420 470509–01420 488072–[email protected]–www.bibalet.co.uk

Let Property

SchemeProvider

ContactAddress

TelephoneFax

EmailWebsite

BIBASchemes19

LoregaistheUK’sleadingindependentproviderofspecialistproductsandservicesforthehandlingofpolicyholderclaims.Thiscoversthefeesofafully-qualifiedindependentlossadjustertoprepareandnegotiateyourclients’materialdamageandbusinessinterruptionclaims.

– Now includes a free claims helpline service exclusive to BIBA members

– Allowsyoutotakecontrolovertheclaimsfunctionandprovide exceptionalservicetocustomers– Immediatecontactwiththeclientafterthelossisreportedtous andaclientvisitwithin24hours– Highquality,fullyqualifiedlossadjustersdedicatedtodealing

withallaspectsoftheclaim– Provides24/7nationwidesupport– Providesacompletelynewrevenuestream.

–Loss Recovery–Lorega–Lee Bennett, Associate Director–8th and 9th Floors, 36 Leadenhall Street, London, EC3A 1AT–07881 781750 / 020 7767 3070–020 7655 2800–[email protected]–www.lorega.com

Loss Recovery

Insurance


TelephoneFax

EmailWebsite

BIBASchemes20

CargoSprintprovidesmemberswithano-nonsenseonlinecargoproductunderpinnedbythe2009InstituteCargoClausesthatdeliverseaseofadministrationandimmediatePDFpolicydocumentation.

Crucially,unlikeotherweb-basedproducts,itoffersfarmorethananinflexibleone-size-fits-alltransaction,andtrulyfacilitatesthenegotiationprocess,allowingfullpresentationofriskdetailsandforcovertothenbetailoredaccordingly.

Members benefit from:– enhancedcommissionlevels– accesstolocal,specialistunderwriters– ano-nonsensewordingthatcanstillbetailoredtoindividual policyholderneeds– onlinerisksubmissionandpolicyadministration– onlinedocumentproduction–deliveringcontractcertainty– onlineclaimsnotificationandadministration.

–CargoSprint–Northern Marine Underwriters Ltd–Peter Oddy–NMU House, 380 New Hythe Lane,

Kent, ME20 6RZ–01622 710181–[email protected]–www.nmu.co.uk

Marine Cargo


TelephoneEmail

Website

BIBASchemes21

MedicalTravelisawebbasedsolution(accessedfromalinkviatheBIBAwebsite)tocoverclientswhohavesignificantmedicalconditions,providedbyAllClearInsuranceServices,specialistsintravelinsuranceforpeoplewithpre-existingmedicalconditionsandforoldertravellers.Oursystemincorporatesonlinemedicalscreeningwithinaonestopprocess,sothereisnosendingoffmedicaldeclarationsordealingwithsupplementaryquestions.Thosewhoareunfittotravel(intheopinionoftheirdoctor)orwhohaveaterminalprognosisoflessthansixmonthsonreturnfromthetripareineligible.

– Allmedicalconditionscanbeconsidered– Noupperagelimitonsingletrips– Alldestinations– Coverconsideredwhilstonchemotherapyorradiotherapy– Theentiretravellingpartycanbecoveredonourpolicy– Optional‘travellingcompanion’extensionifremainder

oftravellingpartyinsuredelsewhere– Optionalhospitalwaitinglistcover.

–Medical Travel–All Clear Insurance Services–Paul Hickman/Garry Nelson–All Clear House, 1 Redwing Court, Ashton Road,

Romford, Essex, RM3 8QQ –07525 323677 / 07764 420966–01708 339 500–[email protected] [email protected]–www.allclearinsurance.com

Medical Travel


TelephoneFax

Email

Website

21 BIBASchemes

22 BIBASchemes

Covers three of the hardest non-standard property insurances to place:

– PUPS(PreviouslyUnderpinnedProperties)insuranceforsubsidence-impairedhomes

– Flood insureforpropertiesthatarepronetoflooding– Fairplayhouseholdinsuranceforproposerswithcriminalconvictions– Coverforrisksthatmostinsurersdecline– Choiceofcommissionornetratedpolicies– Surveysandunderwritingcarriedoutin-house.

–BIBA “Real” Non Standard Household–Bureau Insurance Services –Karen Crouch (PUPS & Flood Insure)

Terry Browning (Fairplay)–Bureau House, 49-51 St Leonards Road,

Bexhill-on-Sea, East Sussex, TM40 1JA–0845 300 6127 (PUPS & Flood Insure)–01424 220110 (Fairplay)–01424 217017–[email protected]–bureauinsurance.co.uk

Non Standard Property

SchemeProviderContact

Address

TelephoneTelephone

FaxEmail

Website

BIBASchemes23 BIBASchemes

Broker Direct offer agency facilities to all BIBA memberswhich will allow access to a wide variety of private motor and commercial vehicle EDI products.

– BDZ40Acomprehensiveprivatecarproductutilisingunitlevelpostcode

ratingforthepolicyholderaged30orover– BDYoungDriver

Athirdpartyfireandtheftprivatecarproduct,forpolicyholdersaged19to26whohaveoneortwoyearsdriving

experienceandnoclaimsbonus– BDCarline

Mainlyathirdpartyfire&theftprivatecareproductforthemorematurepolicyholderlivinginrurallocations

– BDVanlineAcommercialvehicleproductforthematuretradesmanlivinginrurallocations

– BDPremierAprivatecarproductwithhighlevelsofnoclaimbonus,

drivenbyinsuredandspouseandsecondownershipof anexecutivesaloonandthelike– BDProvide

Privatecarproductextendinglocationdistributionintosemiurbanpostcodes

– BDAssistanceAmainstreambreakdownproductprovidedbyRACaimedatprivatecar,motorcycleandcommercialvehicles

– BDEliteFullClaimsManagementService,BDEliteofferssomethingfreshandcompellingforyouandyourcustomersthatwillsignificantly

improveyourclients’claimsexperience.

– Private Motor and Commercial Vehicle – Plus Add On’s. – Broker Direct Plc – Michelle Lilley/Daisy Scannell– Deakins Park, Hall Coppice Road,Egerton, Bolton, BL7 9RW– 01204 600 345– 01204 600 312– [email protected]– www.brokerdirect.co.uk

Private Motor and Commercial

Vehicle – Plus Add On’s


TelephoneEmail

Website

2424

Providingacomprehensivepackageofinsurancecoversforbothcommercialandresidentialunoccupiedproperties.OfferingextremelyfavourableschemeratesandunderwrittenbyA+ratedinsurers,covercaninclude:

– fullperilsavailableformostproperties– facilitytoplacelargerisks– covercanbeextendedtoincludelandlord’scontents– propertyowner’sliabilitygivenasstandard– terrorismcovercanbeincluded– fast,reliable,andefficientturnaroundofquotations.

–Unoccupied Properties–Camberford Law plc–Alex Smith–Lygon House, 50 London Road,

Bromley, Kent, BR1 3RA–020 8315 5000–020 8460 2118–[email protected]–www.camberfordlaw.com/properties

Unoccupied Properties


TelephoneFax

EmailWebsite

BIBASchemes

BIBAFacilities25

BIBAFacilitiesofferaccesstoexclusiveservicesthataddvalueandreducecosts.BIBAhasnegotiatedbespokefacilitieswithanumberofspecialistproviderstooffermembersawiderangeofexclusiveservices.BIBA’sFacilitiescollectionaddsstrengthtoyourbusinessbyprovidingyouwiththeessentialtoolsyouneedtoretainacompetitiveedge.

BIBA Facilities are:–apracticalresourcetohelpbrokers–designedtohelpyourbusiness–specificallytailoredtomeetmembers’needs–selectedbybrokersforbrokers.

Facilities offer:–firstrateservice–speciallynegotiatedrates–providerswhoareexpertsintheirfield–opportunityforincreasedincome–reducedbusinessexpenses.

Eachfacilityhasitsownindividualbenefits,allowingyoutoimproveyourbusinessperformancethemost.

Eric GalbraithBIBAChiefExecutive

BIBAFacilities25

BIBAFacilities26 BIBAFacilities

InsuranceRatingsViewisabespokeinsurersecuritycreditratingserviceforBIBAmembersandisnowavailableonStandard&Poor’sInsurance Markets on the Global Credit PortalprovidingyouwithgreateraccesstoStandard&Poor’sdata,analyticsandtoolssupportingunderwriting,broking,riskmanagement,independentanalysisandfinancialgovernanceintheglobalinsuranceindustry.

– RatingsViewisareal-timewebsourceforobjectiveratingsandanalysis

– Ratingsonmorethan100UKandIrishInsurers– AssessmentsonLloyd’sSyndicates– Instantaccesstothelatestratings,researchandkeyfinancials

fromStandardandPoor’sanalyst– Optionalemailalertsthatwillinformyouofanyratingchanges– Discountformultiplepurchases.

–Insurance RatingsView–Standard & Poor’s–Florence Henderson–20 Canada Square, Canary Wharf,

London, E14 5LH–020 7176 3767–020 7176 7004–[email protected]–www.standardandpoors.com

Insurance RatingsView


TelephoneFax

EmailWebsite

BIBAFacilities27

Ifindividualprivatecarorhouseholdinsuranceisnotyourmainbusiness,youshouldfindoutmoreaboutthisfacility.Wecanadministeryourexistingbookandpayyoucommissionforthelifeofthebusiness,leavingyoutoconcentrateonyourspecialisation.Wecanevencrosssellforyoutoo.

– EnhancedcommissionforBIBAmembers– Commissionpayableforthelifeofthebusiness– Competitivepremiums,ensuringhighconversionandretention– Reducedstrainonresources– Reducedadministrationcostsandmaximisedincome– Morethan40yearspersonallinesexperience.

–Personal Lines Administration–Equity Direct Broking Ltd–Steve Young–Library House, New Road,

Brentwood, Essex, CM14 4GD–01277 206176–01277 249898–[email protected]–www.equitygroup.co.uk

Personal Lines

Administration


TelephoneFax

EmailWebsite

BIBAFacilities28

PremiumCreditisthepremiumfinancecompanyendorsedbyBIBAformembers.Withover1.7millioncustomers,grossadvancesof£3billionin2010andmorethan17milliondirectdebitsprocessedeachyear,wearethenumberonepremiumfinancecompanyintheUKandIreland.BIBA members benefit from:

– premiumfinanceavailableoncommercial,personallinesandprofessionalindemnitypolicies

– financecommission–opportunitytoincreaseyourearnings– onlinetrading–systemsintegratedwithallmajorsoftwarehouses– transparentpricing–nohiddencharges– opportunitytospreadthecostofyourBIBAmembershipfees.

–Premium Finance–Premium Credit Ltd–Cristian Jackson–60 East Street, Epsom, Surrey, KT17 1HB–0844 736 9836–01372 746033–[email protected]–www.premiumcredit.co.uk

Premium Finance


TelephoneFax

EmailWebsite

BIBAFacilities29

BIBA’sValuationServices,providedbyCunninghamLindsey,hashighlightedover£1.1billionofunderinsuranceon1,350completedvaluations.Thismeanspotentiallycatastrophicconsequencesforcustomersandtheirbusinesses.ValuationServicesprovideaswiftandaccurateassessmentofrebuildingcoststoallowthesumsinsuredtobesetcorrectlyto:

– protectfromoverorunderinsurance– safeguardagainstPIclaimsbyrelyingonprofessionaladvice– complywithFSAcompetencyrequirementsbytheuseof

charteredprofessionals– providepeaceofmindforpolicyholdersregardingadequacy

ofsuminsured– differentiateyourofferingtonewandexistingclientswithan

innovativevalue-addedservice.

–Valuation Services–Cunningham Lindsey Valuation Services–Phillip Lane –Aquila House, London Road,

Redhill, Surrey, RH1 1NJ –0845 641 4975–0845 641 4974–[email protected]–www.cl-valuations.com

Valuation Services


TelephoneFax

EmailWebsite

BIBAFacilities30 TheBIBAprofessionalindemnityinitiative

TheBIBAPIinitiativehashelpedcountlessmemberswithPIproblems.Theinitiativeisnotonlyaboutinsurance.Itisalsoaboutunderstandingthemostcommoncausesofclaims,whatmeasurescanbetakentoavoidthemandhowtoarrangeanappropriatepolicyforyourbrokerage.TheBIBAwebsitehasadedicatedmembers’PIsectionwithfurtherresourcesformembers.

The BIBA PI initiative assists members:–attainoptimumpolicyprotectionfromtheinsurancemarketin

relationtoinsurancecoverageforprofessionalliabilityrisks–becomeawareoftherisksassociatedwithbeinganinsurancebroker–avoidbreachesofregulationandclaimsofnegligence–withthenotification,managementandnegotiationofclaims–withdisputesoverPIpolicycoverage–withthemanagementofrisk–inunderstandingtheirrole,dutiesandobligationsasaninsurance

intermediaryregulatedbytheFSA–achievehighstandardsofcompetenceandpractice.

What can I learn from the PI initiative?MembershaveaccesstotheBIBApanelofexpertsinPIriskandinsurance.Whateveryourproblemorquestion,whetheritconcernsaclaim,anotification,adisputeoverpolicycoverageorsimplywantingadviceongoodpracticeandriskmanagement,theanswerisonlyaphonecallaway.

BIBAhasappointedthreeaccreditedbrokerstoprovideacompetitive,specialistresourceformembers.

Eachbrokerisselectedfortheirprovenknowledgeofprofessionalindemnityinsuranceandthemarketsavailable.ThebrokersrepresentbothLondonandregionalinterestsand,betweenthem,awiderangeofinsurersrepresentingafullcross-sectionofthemarket.

BIBA has produced four publications to assist members and these can be downloaded from the BIBA website

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TheBIBAprofessionalindemnityinitiative31 TheBIBAprofessionalindemnityinitiative

Howden Insurance BrokersHowdenispleasedtobeselectedbyBIBAtoprovidePIcovertoitsmembers.Howdenisaleadingexpertinprofessionalindemnityprovidingin-depthknowledge,skillandexpertisetotheirclientswithareputationbuiltonrespondingtomarketneedsandprovidinginnovativepolicies.

Key benefits:– offeringcompetitivepricesthroughanexclusiveschemewithleadingAA-ratedinsurer,Zurich– fullcivilliabilitypolicy– first-partycoverforFSAinvestigationcosts– coverfor‘non-regulated’activity– 50%reductioninexcessifaclaimissettledbymediation– experienceddedicatedteam,insuringover100brokersandinsuranceintermediariesintheUK.

–Mike Eld–Howden Insurance Brokers Limited

Bevis Marks House, 24 Bevis Marks, London EC3A 7JB–020 7648 7210–[email protected]–www.howdengroup.com

BIBA -accredited

PI broker

ContactAddress

TelephoneEmail

Website

TheBIBAprofessionalindemnityinitiative32

Lockton Companies LLPLocktonhavebeenprovidingtheinsurancebrokingprofessionwithprofessionalindemnityinsurance(PII)andriskmanagementservicesforthelast40years.

Wehaveawealthoftalentedprofessionalindemnityspecialistsdedicatedtoservingthissector.

Ourcommitmenttothebrokingcommunityisevidencedbyour25yearrelationshipwiththeBritishInsuranceBrokersAssociation(BIBA)andtheirmembersasaschemeprovider.

Key features of our EXCLUSIVE products:– unparalleledcoverage– innocentnon disclosure– £250,000FSAorotherprofessionalbodiesinvestigation costs– automatic12monthsfree run-offprovision– compensationforcourtattendance– acquisitioncover– claims advocacysupport– premiumsstartfrom£550.

–Brian Boehmer –The St Botolph Building, 138 Houndsditch,

London, EC3A 7AG–0207 933 2083–0207 933 0739–[email protected]–www.lockton.com

BIBA -accredited

PI broker

ContactAddress

TelephoneFax

EmailWebsite

TheBIBAprofessionalindemnityinitiative33

Towergate Professional Indemnity

Key benefits:– coverfordamagesawardedbyOmbudsman– protectionagainstinadvertentorinnocentnon-disclosure– indemnitycostsofFSAorotherprofessionalbodyinvestigations– dedicatedclaimsservice,providingimmediateandexpertadvice andsupporttomembersinrespectofanyclaimsorcircumstances whichtheyconsidermayfailtobenotifiedundertheirPIpolicy– riskmanagement–provisionofriskmanagementadvice

toprincipalsandstaffaddressingtherisksissuesarisingfrom regulationandcurrentchangestakingplaceintheindustry– specificallydesignedforsmalltomedium-sizedregional brokersandisaimedatprovidingthewidestformofcover

atacompetitiveprice.

–Paul Kirkham–Suite 4B, 1 Portland Street, Manchester, M1 3BE–0844 892 1789–0844 892 1796–[email protected]–www.towergateprofessionalindemnity.co.uk

BIBA -accredited

PI broker

ContactAddress

TelephoneFax

EmailWebsite

Spring2011

British Insurance Brokers’ Association8th FloorJohn Stow House18 Bevis MarksLondon EC3A 7JB

Consumer helpline: 0870 950 1790Member helpline: 0844 77 00 266Fax: 020 7626 9676Email: [email protected]: www.biba.org.uk

Steve [email protected] 7397 0234

Peter [email protected] 7397 0204

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