BIBA Scheme

R&Q CRS was appointed as the MGA for the BIBA Commercial proposition including the underwriting of  difficult commercial flood business in December 2016.

The purpose of the scheme is to provide the BIBA membership and their clients with a superior policy that caters for business and real estate investors who have difficulty in purchasing cover for damage caused by flood. This could be clients who have either suffered previous flood damage, are located in areas of high potential flood risk or punitive terms have been imposed on the client.

The scheme is also available for brokers to place risks that have no history of flood or a low prospect of flooding and simply wish their clients to benefit from a competitive and very comprehensive policy coverage.

The scheme has three specific contracts:

  • Commercial Combined for manufacturing and distribution trades
  • Package for Retail, Offices & Surgery
  • Property Owners cover for real estate investors


Downloads:        Overview Document              Questionnaire