BIBA 2023

BIBA 2023 Manchester Central

As a proud member of The British Insurance Brokers Association for over 40 years, and now as a board member, I can say without any hesitation that the BIBA conference in May each year, bringing brokers and insurers together in one place for three days, is one of the best and most productive weeks of the year.

This year the theme is “Rising to the Challenge” The BIBA Conference 2023 | The British Insurance Brokers’ Association

If you have annual arrangements you wish to arrange or renew, doing it at the BIBA conference each year is probably the most effective way. The range of providers present and more importantly decision makers, all in one place make for an excellent conference.

Add to that the line up of keynote speakers and sessions each year, bring everyone up to date with what’s new and emerging as well as all the legal and regulatory matters that will affect our businesses going forward over the next 3 – 5 years. If you are an insurance professional #biba2023 is the place to be.

It’s also nice to be in the middle of something which has been in planning for the last 12 months, leading directly from the manifesto which is published in January each year. In 2023 we are #managingrisk & #deliveryingstability.

Looking forward to meeting friends old and new and securing services that will directly benefit our clients going forward.

Have a great week, I know I will.




A legal team to defend you when you need it

What do I get for my money?

I think liability insurance is expensive!

So what am I paying for and what do I get for my money?

When you take out liability insurance, the backstop is that your insurers will, after defending you, pay out damages up to the indemnity limit, which is typically two, five or ten million pounds.

That’s never going to happen to me?

Famous last words!

When everything is going well in business, clients and staff are happy, nothing happens, but the minute someone feels aggrieved or disagrees with you, that is the exact moment they will launch a legal action, #becauseaccidentshappen to nice people all the time.

With no win, no fee, ambulance chasing lawyers ready to step up in with absolutely no cost to the claimant, it’s easy to start an action these days.

Even if the claim is completely without merit, and it’s all lies, that’s not what they will have told their lawyer to get the letters issued. Your only redress is to start spending lots of money on lawyers to rebut the claims and that is far more expensive than the insurance premium you could have paid – typically £150 an hour before you even utter a word and a barrister in court can cost anything from £1,500- £10,000 per day.

What do you get for your money?

The answer is a very good set of lawyers who will defend you at ZERO cost to yourself and pay out eventually, if necessary.

That’s what you get for your money.

Have a nice day.

Legal Team

Insurance Advice

What’s Important?

Business Insurance is essential if you are to be resilient when the worst happens!

Luckily for most of the businesses I deal with the worst doesn’t happen regularly, but significant challenges do appear from time to time.

Sometimes it’s damage to property, an injury to an employee or a claim made against them by someone else outside the business, whether justified or not. Whatever it is, it has to be dealt with and that is essentially why you are paying your insurance premiums. Someone else deals with the problem whilst you get on with your business #becauseaccidenthappen to nice people all the time.

  • Cost
  • The cover provided
  • Understanding what you’ve bought
  • A personal relationship
  • Trust and confidence
  • All of the above?

Truth is we would all like to get all of the above, but if cost is your overriding consideration then I would argue that you will have to compromise on the rest.

Cheap cover often means a stripped-down policy with only the basics covered, no professional advice about suitability and definitely no conversation about the things that aren’t covered. So how much trust and confidence will you have in a cheap solution?

I would say that the most important thing is a professional, personal relationship with and advisor you can trust.

If you have that, you have someone who is always going to look out for your best interests, not only once a year at renewal, but throughout the time that you work together. Always there to answer questions and give timely advice when you need it. Free at the point of use. #openhonesttransparent

Get good advice and you won’t go far wrong and it doesn’t have to be expensive either.

Have a great week

Insurance Advice