As seen in

Property in a flood zone: who writes it?

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389 UK insurers, MGAs and Lloyd's markets mapped390+ trade appetites100% independent, no paid ranking
FCA-regulated firm (FRN 1035997)
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185 markets matched

For: Property in a flood zone

Underwriter briefReady

What underwriters will focus on

Flood-exposed property; these are provisional property-market referrals, not confirmed flood appetites. Underwriters will need the postcode, occupancy, sums insured, flood history and resilience measures, with flood cover, excess and limits central to placement.

Where to start

  1. Pen UnderwritingSpecialist MGA property and BI route worth testing for a flood-exposed commercial risk.
  2. Vasek InsuranceProperty-focused MGA worth approaching once building use and occupancy are established.
  3. Specialist market lockedAppetite fit and referral checks locked
Hard to place?
Pen UnderwritingMGAStrong fit★ Specialist appetite
Risk carried byi

QBE; Endurance Worldwide Insurance; Hadron UK Insurance; Tokio Marine Kiln (varies by product) Source

How to trade

Quote online (own portal), Quote online via software house, Submit to underwriter · Pen Central, Acturis, Open GI Source

Appetite
Specialist MGA property and BI route worth testing for a flood-exposed commercial risk.
Check
Check postcode acceptance, previous flood losses, flood excess and any sublimit or exclusion.

ELPLCARFleetMotor tradePropertyBI

Broker site

Placed with them? Say how it went.
Vasek InsuranceMGAStrong fit★ Specialist appetite
Appetite
Property-focused MGA worth approaching once building use and occupancy are established.
Check
Check eligible property types, flood-zone restrictions and whether flood cover can be included.

PropertyBIPL

Broker site

Placed with them? Say how it went.
Market lockedMGA
Classes and referral notes after unlock
Strong fit
Market lockedInsurer
Classes and referral notes after unlock
Strong fit
Market lockedInsurer
Classes and referral notes after unlock
Strong fit
Market lockedMGA
Classes and referral notes after unlock
Strong fit
Market lockedInsurer
Classes and referral notes after unlock
Strong fit
+178 more markets locked
183 more markets + remaining specialist brief picks

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As seen inFCA-regulated firm (FRN 1035997)

Market Index

See all 389 markets

UK markets that write property in a flood zone risks

We found 185 UK markets that write property in a flood zone risks: 47 insurers, 115 MGAs and 23 Lloyd's markets. Commonly listed: Pen Underwriting, Vasek Insurance.

Top 10 markets for property in a flood zone risks

  1. Pen Underwriting (MGA)
  2. Vasek Insurance (MGA)
  3. Generation Insurance (MGA)
  4. RSA (Insurer)
  5. Generali Global Corporate & Commercial (Insurer)
  6. Elitium Specialty (MGA)
  7. QBE (Insurer)
  8. Travelers (Insurer)
  9. Chubb (Insurer)
  10. AIG (Insurer)

Placing notes

Postcode flood modelling, previous flood claims, distance to watercourses and resilience measures like flood doors or raised electrics drive the terms. Commercial and let properties can find flood cover especially restricted.

Also known as

flood risk property, flood plain property, property with flood history

For insurers and MGAs

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