The British Insurance Brokers’ Association (BIBA) has set its sights on moving rapidly from manifesto publication to implementation, laying out concrete next steps for regulatory reform, consumer signposting and cyber capability during a Press briefing.
BIBA’s 2026 Manifesto, Economic Resilience, set out 10 “asks” of government, regulators and industry and 10 commitments the association will deliver for brokers. At a detailed briefing, senior BIBA executives said the association will now press those asks while rolling out several of its own commitments that have nearterm operational impact for brokers and insurers.
Read more: BIBA reveals its 2026 Manifesto
“The approach is allyship — working in partnership with government, the regulator and insurers,” BIBA chief executive Graeme Trudgill said on the call. “We’re literally there to help. We want to be the goto place for government, regulator, brokers and insurers.”
BIBA’s manifesto lists 10 headline asks. The association emphasised the following as priorities:
What BIBA will deliver next (confirmed nearterm milestones)
On the regulatory agenda BIBA highlighted progress already achieved through sustained engagement: “We asked for faster authorisations and we’ve absolutely got that,” a senior BIBA executive told the briefing, citing meetings with FCA directors and recent Treasury consultation on shortening authorisation periods. BIBA also pointed to several reporting simplifications the FCA has already decommissioned and said it will continue to press for further reductions in adhoc data requests.
At the same time, the association acknowledged major asks remain ambitious. BIBA described the Financial Services Bill as essential to deliver crosscutting reforms but noted parliamentary time and legislative sequencing will determine speed of delivery. The association said it will continue working constructively with the FCA to push simplification and to pilot a smallerfirms guidance pack for brokers.
Cyber features prominently in the manifesto and the briefing. BIBA cited evidence that cyber incidents are widespread (the Hiscox Cyber Readiness Report found 59% of respondents had been attacked in the prior year) while standalone cyber penetration among UK businesses remains low (Broker Insights placed it at about 2.8%). “There’s that massive gap that requires something to be done,” Trudgill said.
To address both supply and demand, BIBA will:
BIBA reiterated longstanding calls on flood resilience - planning enforcement, Sustainable Urban Drainage Systems and consultation on Flood Re’s post2039 future - and warned of an SME flood protection gap. On terrorism, BIBA backed Pool Re’s work to reintegrate terrorism cover into standard commercial policies for SMEs. For Northern Ireland, the manifesto calls for claims management companies to be regulated locally and for judicial reforms to speed dispute resolution and reduce costs to insurers and customers.
The manifesto also contains a set of memberfacing deliverables: refreshed SME guidance, a new PI guide, resources on trading in a soft market and a proposed industry protocol on late notification of claims. BIBA will continue its Insurer Monitor survey with Gracechurch and publish case examples aimed at lifting claims outcomes and placement service.
On the briefing call BIBA officials stressed a practical, partnershiporiented approach. “It’s about working through where is actually the cause of the issue... How can we get some really great results which lead to good customer outcomes?” one senior executive said. The association described its strategy as “roll up your sleeves” collaboration - convening regulators, government and insurers to design implementable solutions rather than only criticise.
The publication has already received favourable responses across the industry, including from Markel’s divisional director Jo Sykes. “BIBA’s manifesto couldn’t have landed at a better time,” she said. “With brokers navigating significant challenges, it’s reassuring to see strong commitments to regulatory reform and practical support. Even more encouraging is the spotlight on cyber - simplifying policy language, building broker confidence through training, and championing cyber essentials to help close the protection gap.”
BIBA said it intends to move quickly on the deliverables that do not require primary legislation while continuing to press for legislative changes where necessary. The association described the manifesto as both a lobbying platform and an operational roadmap - and the briefing reiterated that conversion of asks into implemented changes is the organisation’s priority for 2026.
