BIBA works for its members and their customers and this means that on members’ behalf we monitor legal, legislative, regulatory and other external changes that impact the way insurance brokers trade and provide input and guidance as necessary.

The Insurance Act 2015

In 2015 BIBA produced a guide to the Insurance Act for its members. A new guide  – Implementing the Insurance Act – which will be available soon will help members to incorporate this biggest change in insurance law since 1906 into their operating practice.

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BIBA's Calls to Action and Commitments on Broker operational issues

Each year BIBA campaigns on a number of issues and commits to a series of actions - these calls for action and commitments can be found within our manifesto.

Find out more information in the BIBA 2016 Manifesto

Insurance Fraud Bureau

BIBA is committed to working with the Insurance Fraud Bureau (IFB) to help reduce the cost of insurance fraud.

More information is available from the IFB website

Protecting businesses from the costs of riots

The Home Office review of the Riot (Damages) Act 1886 contains both positives and negatives for businesses.

BIBA is pleased with many improvements being suggested by the consultation including the proposals about recognising riot areas, longer deadlines for making a claim, interim payment proposals and the discussion about new for old cover instead of indemnity.


However, there are areas where we are concerned for customers; for example the proposed cap on claiming compensation and not being able to recover an excess. The Home Office should not introduce a requirement that only businesses with a turnover of less than £2 million are eligible to claim. BIBA believes that any cut off should be based on a financial claim limit and that this Act should continue to protect all sizes of business.

BIBA believes the aim of the Act is to ensure that those that have suffered losses can receive compensation to enable them to be put back into a similar position as before the claim occurred. We cannot see a case for discriminating against different businesses just because of a blunt instrument like the size of their turnover.

BIBA does not believe the decision on whether the activity is a riot should lie with the Police and Crime Commissioner (PCC) as this is a fundamental conflict of interest. It should instead rest with a separate panel of independent officials which should be consulted upon. This is following the problems experienced in 2011 where some police forces and MPs would not acknowledge the events were a riot, making it a very difficult situation for many victims.

The responsibility on the police to keep the peace remains the same and the need for compensation is no less. We do not believe that PCCs should have this power. An independent panel would therefore avoid any conflict of interest.

Insurance Act

The Insurance Act 2015 is a very positive step in the development of our industry.

insurance-act-2015-docIt should lead to fairer outcomes for customers and we were pleased to play our part in assisting its passage through the Houses of Parliament. Brokers can use this guide to help bring their staff up to speed on the operational changes they may need to consider. We have also written it from a customer perspective so that brokers can help support customers in understanding their new duties.

View Insurance Act 2015 brochure online


Case Law - Legal Update


A summary of a selection of major recent court cases touching our industry and the high profile issues that brokers need to be aware of. These cases also give valuable reminders on our duties to clients, from helping them to select the best business interruption cover for their business, to ensuring our own systems and controls are operating at the levels our clients deserve and the regulator demands.

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New Technologies - Legal Issues

We have collected for you some of the key innovations which are either emerging now or will soon be with us. Some of these will directly impact how you run your businesses, such as ‘Big Data’, drones and telematics.

Others are technologies which will change the way your clients do business, and the risks you have to help them manage, such as 3D printers, driverless cars, and space travel and satellites. Some will do both.

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Legal Developments 2014 – 2015

Keep up to date with the key legal developments during 2014 and 2015

View guide

Additional Guides

MP Guide - Helping Constituents

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See our guide for MP’s here

Employers' Liability Data (ELTO)

A broker’s guide to supplying data -

This guide is intended for brokers, managing general agents and delegated authorities and explains the information that needs to be collected and supplied to ensure a consistent approach from the broker market.

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Environmental liability (IUA)

Environmental Risks: insured or not?

In recent years, liability for environmental harm has become much more common. When it comes to insurance cover for environmental matters, the difference has important repercussions.

View Document

Broker Reporting Mandates

Recommended Procedures

This document has been produced by the ABI and BIBA to assist members in their handling of a particular matter.

Further information in the technical update

Find Insurance

Whatever type of insurance you need to find, BIBA can connect you with a broker who can help. Please use the search below or call our Find Insurance Service on 0370 950 1790.