Access
Staff and customers cannot reach the location.
Water changes the way a business works.
Access, deliveries and operations can all be interrupted by flooding.
Look beyond the property boundary
Three ways water can interrupt operations.
Deliveries
Road closures interrupt stock and services.
Operations
Closures and recovery affect the trading calendar.
Rainfall and flood are different measurements.
Rain describes precipitation. Flooding depends on how water accumulates and moves. We compare water-level data with your locations, access routes and operating history.
The measurement matters
Define the reading before the risk begins.
- An agreed water level or flood measurement
- A defined location and measurement source
- A specified measurement period
Build a parametric insurance policy around the selected measurement and payment schedule.
How the structure is chosenWho it’s for
Where this becomes relevant.
Property owners
Flooding can affect building access and tenant operations.
Distribution businesses
Road closures can interrupt deliveries and access to stock.
Waterfront businesses
Flooding can interrupt access, bookings and normal operations.
Explore the industry perspectiveBefore we talk
A few useful answers.
How do you measure rain and flood?
Rainfall measures precipitation. Flood measurements track how water accumulates or moves through a location, including water levels at a named gauge. We choose the measurement around the exposure you want to address.
How does this work alongside flood insurance?
We review your property and flood policies alongside the revenue and operating costs exposed to flooding. A measurement-based payment adds another layer to that financial plan.
Your next step
Start with your exposure.
Bring us the question. We’ll help you understand the exposure and the options available.
Prefer email? Contact our teamUseful for a first conversation
- Your business locations and risk period
- Revenue, costs and weather-related interruptions
- Existing insurance and relevant weather records
You don’t need everything ready to get in touch.