Coming out of the cold

With their headquarters firmly entrenched in London it is often easy to forget that the British Insurance Brokers' Association (Biba) is very much a UK-wide organisation. Of its 2,021 members, only 323 are Lloyd's or City of London brokers. The remainder are divided among Biba's other 12 regions, each represented by a regional committee and regional chairman.

Although the decision making power does ultimately stem from its Bevis Marks offices, the regional subsidiaries are crucial to the deci