BIBU's stand alone Liability and SME schemes have been designed to meet the requirements of a wide range agricultural and non agricultural trades and businesses. Underwritten by a Panel of established Insurers, these products are designed to meet the needs of your Contracting and SME clients

Liability Scheme

The stand alone liability scheme offers competitive quotes on either a Wages and Turnover or a Per Capita basis. We provide;

• Employers liability cover (£10million)
• Public Liability (up to £10million)
• Products Liability (up to £10million)

We have a trade list in excess of 500 occupations including specialist agricultural trades such as agricultural contracting, baling and farming. Rates can be split between trades to ensure the most competitive quotation for your Client.
Depending on the trades undertaken, Contract Works, Plant, Tools and Property Covers can be added to the liability policy to provide a comprehensive Package for your client
Quotations are written on a Statement of Fact basis and documentation can be emailed direct to you to ensure documentation can be issued quickly and easily.

For a Quotation request form and Product information please click here

• Legal Expenses including Contract Disputes Cover
• Online Tools to construct Health & Safety Policies and Legal & Employment Documentation
• Telephone Help lines for Health & Safety and Legal Advice
• Online Health & Safety Training Courses relevant to their business including office safety, fire regulations, driving safety, manual handling and other key risk management issues
• Stress Counselling Line for employees and family members residing with them

Commercial Combined: Our Commercial combined policy provides flexible covers to the owners of businesses in the manufacturing and wholesaling segments. Cover includes:

• Full accidental damage cover, including damage to glass
• Damage to stock at exhibitions £25,000
• Customers/suppliers extension £100,000

Retailer: This Policy is specially designed to meet the needs and responsibilities of the modern retailer. Full accidental damage cover, including damage to glass

• Seasonal increase of 30% for stock
• Wide business interruption cover including failure of utilities

Guest houses/hotels: Cover specially designed for owners and operators of guest houses. Cover includes protection against major flood, fire and injury to guests.

• Full accidental damage cover, including damage to glass
• Loss of licence £50,000 or higher if required
• Wide business interruption cover including failure of utilities

Office: This Product is specially designed for a range of office-based SME businesses. Policies can be tailored to meet individual client's needs

• Full accidental damage cover, including damage to glass
• Cover for contents used anywhere in the EU up to 15% of the contents sum insured
• Full theft cover applies, without the need for forcible and violent entry to the premises

Please click here for quotation forms and policy summaries . If you have any queries please contact :
Emma Lancaster –01325 254419
Tracy Freeman – 01325 254423