For Brokers
Make flood-exposed clients insurable.
Help clients facing rising premiums, uncovered business interruption and declined cover, with 48-hour, property-level flood warnings that turn an unplaceable risk into a mitigated one. Be the broker who made that happen.
See how it works for a flood-exposed client. No obligation.
Flood Re does not cover commercial property.
The BIBA/ABI/Flood Re Flood Insurance Directory handles up to 1,000 enquiries a month, up around 50% in two years, clients your market is struggling to place.
Previsico is a Lloyd's Lab alumnus and a Loughborough University spin-out.
What flood-exposed clients cost you
The flood risk you can't place is the client you can't keep.
Uncovered business-interruption exposure.
Even where cover exists, BI losses from a flood land on the client and, by extension, on you. Without advance warning, there's no chance to act before the water arrives.
Nothing to differentiate you.
On flood-exposed accounts you're competing on price with nothing extra to offer, and you won't recommend anything that risks making you look bad.
Unplaceable flood risk.
Clients with flood-exposed sites get declined or priced out, and Flood Re's commercial exclusion means there's no safety net.
How you place and keep the client
Make the placement possible. Then make it pay.
Three ways Previsico turns a flood-exposed client from a placement problem into a client you keep.
Turn a declined risk into a placed one
48-hour, property-level surface-water flood warnings from live hydrodynamic modelling, delivered by email, text and dashboard, give underwriters the evidence to price a site they'd otherwise decline. An actively mitigated risk, not an abandoned one: the client gets cover, and often a better outcome at renewal too.
48 hours to act, not a claim to file
Live monitoring via managed radar sensors on drainage, rivers, culverts and wastewater assets adds ground-truth warning on top of the forecast, giving a flood-exposed client up to 48 hours to protect stock, sites and operations, mitigating business-interruption losses before a claim is ever filed. This isn't just for the uninsurable: every flood-exposed client in your book gains the same head start.
A resilience story to win and keep clients
Beyond any single site, a proactive flood-resilience story, built on two decades of peer-reviewed research, is a recurring, credible value-add you can bring to every flood-exposed client, not only the hardest-to-place ones. Liberty Specialty Markets has run it as a policy condition for flood-exposed clients for 4+ years, proof of value and ROI, not just a pitch. It differentiates you at renewal and protects the commission a decline or a churned client would otherwise cost you.
Read the Liberty case studyHow it works for your flood-exposed clients
Three steps, from a hard-to-place risk to a retained account.
Identify
Flag the flood-exposed client whose risk is hard to place or whose BI exposure is uncovered.
Mitigate
Previsico adds 48-hour, property-level warnings and live monitoring at the client's sites.
Place & retain
Present an actively mitigated risk to underwriters and a proactive resilience story to the client.
Questions brokers ask
Often, yes. When a flood-exposed site is actively monitored with 48-hour, property-level warnings, underwriters can price and offer terms on a risk they'd otherwise decline. Flood Re excludes commercial property, so mitigation is the route to cover.
Yes, surface water is the majority of UK flooding. Free government flood warnings cover river and coastal only; Previsico adds live, property-level surface-water warnings.
It's built on two decades of peer-reviewed Loughborough research and used by specialty insurers as a policy condition. It's a credible, proactive value-add, the kind of recommendation that strengthens the client relationship.
Placing and retaining flood-exposed accounts protects recurring commission you'd otherwise lose to a decline or a churned client, and differentiates you at renewal.
No. Any flood-exposed client benefits, advance warnings reduce business interruption and give you a resilience story across the whole book, not just the unplaceable subset.
Turn your toughest flood risk into a win.
Book a demo and bring a flood-exposed client, we'll show you how to make it placeable.