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13+ years specialist broking
Commercial Flood Insurance
Cover for business premises, portfolios and let property at flood risk — including the risks Flood Re leaves out and the addresses standard insurers decline. Placed through specialist and Lloyd's markets by an independent UK broker.
Get a flood insurance quote How it worksThe flood-cover gap no scheme fills
Flood Re stabilised flood cover for ordinary homes — but it was never built for business. Commercial properties, let property and most modern buildings sit entirely outside the scheme, which leaves owners to face a hardening market alone.
The result is familiar to anyone with premises near a watercourse: insurers either decline outright, strip flood out of the policy, or load an excess so high the cover is meaningless at the point of claim. For a commercial owner that is not an inconvenience — it is an uninsurable balance-sheet risk and, often, a barrier to finance. We arrange genuine flood cover for these risks through markets built specifically for them.
Why standard commercial cover falls short on flood
Mainstream commercial property policies are priced for the average risk. Once an address shows in Environment Agency Flood Zone 2 or 3, or carries a history of flood claims, the standard market reacts in predictable ways.
The standard market
- Flood peril excluded or "subject to survey" indefinitely
- Punitive excesses of £10,000–£25,000+ that gut the cover
- Outright declinature for Zone 3 or post-claim addresses
- No appetite for let property, portfolios or post-2009 builds
- Business interruption from flood quietly carved out
The specialist route we use
- Dedicated flood markets that price the actual risk, not a postcode
- Parametric cover that pays on a measured trigger, fast
- Property owners' and portfolio wordings that keep flood in
- Business interruption and loss of rent reinstated
- Resilience measures recognised and rewarded in the rating
What a commercial flood programme can include
Few flood risks are solved by one product. We structure cover around how a flood would actually hurt the business — the building, the income, and the time it takes to recover.
Material damage
Reinstatement of the building and contents following flood, on a specialist all-risks or named-peril basis where the standard market won't quote.
Business interruption
Lost gross profit, increased cost of working and loss of rent during the months a flooded premises is out of action — often the larger loss.
Parametric flood
An agreed sum paid on a defined trigger such as flood depth at a gauge — settlement in days, with no loss adjustment to argue over.
Portfolio & let property
Schemes for landlords and multi-property estates that Flood Re excludes, rated across the book rather than refused address by address.
Resilience credit
Flood barriers, raised plant, "build back better" and surveys presented to underwriters to bring the premium and excess down.
Works & recovery
Cover continuity through repair and reinstatement, including unoccupancy and contract-works exposures while the property is restored.
Flood risks we regularly place
If any of these describe your premises, you are in exactly the territory the standard market struggles with — and the territory specialist flood markets exist to serve.
| Situation | The problem — and how we approach it |
|---|---|
| Environment Agency Flood Zone 3 | High-probability zones trigger declinature or heavy loadings. We take it to insurers who underwrite on property-level modelling, not the zone alone. |
| Previous flood claim | One prior loss can close the standard market entirely. Specialist underwriters will look at the cause, the repair and any resilience added since. |
| Let & tenanted property | Excluded from Flood Re. We place flood within property owners' and portfolio policies rated for landlords. |
| Built after 1 January 2009 | Modern builds fall outside Flood Re by design. We access markets that cover newer commercial and mixed-use stock. |
| Surface-water / flash-flood exposure | Increasingly common and often missed by standard rating. Parametric and specialist cover can respond where mains cover won't. |
| High sums insured / business interruption | Large material-damage and BI exposures need capacity and structure — areas where Lloyd's market access matters. |
How we place a commercial flood risk
Risk picture
We gather the address, flood history, sums insured and any resilience already in place — the detail underwriters reward.
Market access
We approach specialist flood, parametric and Lloyd's markets directly, not a comparison panel.
Terms & structure
We negotiate cover, excess and price, and structure material damage, BI and parametric layers around your exposure.
Placement & renewal
We place the cover, brief you on the wording, and manage the risk and claims position at each renewal.
Explore commercial flood cover in detail
Commercial flood insurance: common questions
Does Flood Re cover commercial property?
My business has been refused flood cover — what now?
What is parametric flood insurance and is it worth it?
Will a high flood excess make my policy worthless?
Can you cover a portfolio of let properties at flood risk?
Miller & Partner is authorised and regulated by the Financial Conduct Authority. This page is general information about commercial flood insurance and is not advice on any specific policy; cover, terms and availability depend on the individual risk and the insurer's assessment.
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MEET THE Director
Hey, I'm John!
I started Miller & Partner with the aim to bring back personable, approachable broking to UK businesses who were tired of large corporate brokers and feeling like they were just another number.
I have built this brokerage up with no pushy sales techniques or big business tactics, just honest, approachable and professional relationships with my clients.
Over 13 years experience in business insurance
Client first approach
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Office: Vivian House, Roman Bridge Close, Mumbles, Swansea, SA3 5BG
Call 01792 001350
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