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Why Lockton?
With mandatory obligations reshaping development, delivering ecological gains is non-negotiable.
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Biodiversity Net Gain Insurance
With new laws reshaping development, delivering ecological gains is non-negotiable
Protect your commitment
Since 2024, most new developments in England must deliver a minimum 10% net gain measured against the pre-development baseline, and manage that gain for a minimum of 30 years.
One unforeseen event could undermine the entire process – and can be disastrous for businesses. Whether you’re a developer, landowner, lender, responsible body or local planning authority, we can protect your obligation and safeguard crucial stakeholders.
Be the business the future can rely on.
Compliant, dependable cover
Pollution, arson, wildfires, accidental damage. The risks to a new development are substantial – and they span decades.
Our in-house BNG experts know the legislation inside and out, and we understand environmental exposures. We craft a modern insurance solution that protects investments, obligations and the environment, all at once.
Why choose BNG insurance?
Conserve biodiversity
Whatever happens, your costs of land restoration or unit replacement can be covered. Fulfil your promise to the environment and the transaction.
Peace of mind
If you breach legislation, the legal costs can mount. Build confidently without the threat of legal issues.
Be the trusted partner
Failure to deliver biodiversity units opens a world of risks from every stakeholder in the transaction. Your obligation is met – and trust is retained.
Unlock better financing
By reducing risk, your project is easier to fund and more credible to investors. Keep the reputation you’ve earned.
Who needs BNG insurance?
Every party in a BNG transaction has a stake in delivery. A single loss event ripples across all of them. We work with:Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Developers
Landowners
Lenders
Local planning authorities
Responsible bodies
Our Biodiversity Net Gain solution. Comprehensive, innovative protection in the event of biodiversity damage. Our insurance covers:
- Land restoration costs and ecological work
- Unit replacement sourcing and purchase
- Business interruption and legal expenses cover
Why Lockton?
We know natural capital. From BNG units and carbon credits to solar and the wider climate transition, we know what to do, and we know what matters.
Meet the team
David Briscoe
Head of Special Projects – P&C Specialties
david.briscoe@lockton.com
+44 755 433 8553
Charlie Stent
Associate
charlie.stent@lockton.com
+44 207 933 1871
We're here to help
We bring creative thinking and an entrepreneurial spirit to the insurance business and are uniquely positioned to help you succeed.
Talk to our team