“Without question the best insurance claim experience I’ve ever had by some distance.”

We’re proud to have helped businesses recover faster than ever. Take a look through our client case studies and testimonials to see how risk managers like you have benefitted from FloodFlash parametric insurance.

REIT Client who claimed in 2020

Deductible Infill for Coastal Texas Industrial Facility

Oil & Gas - Texas


FloodFlash’s rapid pay-out flood insurance dovetails extremely well with the traditional property insurance, giving our client the best of both worlds.

This is a game changing product for the US private flood market and the quote process was quick and easy


Based in Coastal Texas, the business is a large industrial facility serving oil refinery customers. The facility consists of a number of plant production, support, warehousing and administrative buildings, as well as contaminated water treatment ponds, across different elevations.

Like thousands of businesses across Texas, the facility suffered extensive flooding following Hurricane Harvey in August 2017. Since then, they have been unable to secure affordable cover for named storm events.

The businesses insurance brokers worked to restructure the property program. They increased the deductible associated with the named storm cover, reducing the premiums significantly. The brokers then covered the deductible using a FloodFlash policy. This allowed a significant saving on premium while still maintaining the same level of protection.

Thanks to their new FloodFlash smart sensor, the business is now more resilient than ever before. The FloodFlash policy covers immediate losses with a rapid payout. It is up to the business how this payout is used. As well as covering their deductible, the policy can be used for business interruption costs not included in the primary policy.

NFIP-wraparound for BI + excess layer

Hospitality & Restaurant - Florida

Bon Appetit Restaurant next to the Gulf of Mexico

It’s nice to be able to offer my clients an alternative solution for their flood insurance needs, which can be customized based on the amount of exposure they are willing to assume. The unique approach of installing an actual flood sensor, combined with an on-site survey, allowed us to pair the FloodFlash solution with the standard NFIP flood insurance program. In this case, it was more affordable than any private flood carrier


Bon Appétit Restaurant has been Dunedin’s choice for fine cuisine for over four decades. Serving up culinary joy against a backdrop of St Joseph’s Sound famous sunset, it has been voted “Best Waterfront Dining” in Tampa Bay.

Located in the waterfront community of Dunedin on the western coast of Florida, the restaurant is familiar with flood risk in the Gulf of Mexico. Whilst they had found a private flood option in the past, premium increases and limitations on the business interruption coverage meant it was no longer suited to their needs.

After exploring options with their agent and broker, the business realised that a combined NFIP and FloodFlash option offered the best fit. The FloodFlash team carried out a site visit and worked closely with the client, providing insights on the property to better understand the depths of flooding that would causes losses to the business income.

Captive reinsurance for Fortune 500 pharma

Parmaceutical manufacturing - Massachusetts


The highly personal nature of deploying the FloodFlash technology on site makes claims notification immediate and claim settlement almost instant, providing the business with immediate liquidity in their hour of need. These were key and compelling factors in our client’s decision making process


The business is based in the waterfront area of Boston, Massachussetts. They manufacture critical medical products that treat a range of serious diseases.

The businesses insurance purchasing is centralised via their wholly owned captive insurance subsidiary, which buys external property reinsurance, but retains a portion of the risk within the captive. Part of this retained risk includes property damage, but more crucially, denial of access and business interruption at their manufacturing facility on the South Boston waterfront.

The broker developed a FloodFlash policy that carves out this retained flood exposure, using a facultative reinsurance contract. FloodFlash now acts as reinsurance cover for any property damage, business interruption and denial of access losses caused by storm surge activity.

The flexibility of a FloodFlash policy means the payout can cover all types of flood loss. This allowed the business to tailor coverage to address their key area of concern and transfer their retained risk.

Non-standard property coverage for Virginia Golf Course

Golf Course & Country Club - Virginia

FloodFlash has offered great service. It has been so much more efficient than working with the National Flood Insurance Program and has allowed us to offer our clients broader and flexible coverage.


This business is a coastal Virginia golf and country club. Founded at the turn of the 20th Century as a modest social club, it has grown to include a golf course, tennis facility, clubhouse, and swimming pool complex.

Due to the country club’s proximity to the coast, it has a high risk from coastal flooding. Rising sea levels and increasingly intense storms are putting the club at increased risk.

Coverage on the National Flood Insurance Program was limited, and didn’t extend to business interruption. The club wanted to ensure they were fully protected in the event of a flood, so asked their broker to look into private alternatives.

The flexibility of FloodFlash appealed to the country club. With the help of their broker they were able to choose the coverage that suited them. They settled on a singular payout that would cover damages and business interruption caused by a flood.

With their FloodFlash policy, they no longer have to deal with lengthy admin at the time of claim and can spend the payment as they like.

Explore more case studies

Case Studies


We’re proud to provide cover to customers across Britain. Here are just a few examples of how FloodFlash can help you regain control of your business in the threat of flooding.

Oxera Repair Products

Manufacturing - Mirfield

Oxera’s last insurance experience was not a positive one. Their 2015 claim took over 7 months and threats to complain to the ombudsman before it was paid. Fortunately they had some cash reserves that allowed the business to carry on during the wait. With lots of product on the warehouse floor and plans to expand the business, it was key that they secured insurance. They chose trigger depths to complement their flood gates in order to keep their premiums down. When water breached the flood gates during Storm Ciara, they received their FloodFlash payout in a single day.
“Within less than 24-hours we’d had the insurance claim paid. It was unbelievable. We didn’t have to do anything really. It was all done by them”

Paul Wadsworth – Oxera

“It seems too good to be true. The money’s in the bank. Everybody’s done what they said they were going to do”

Paul Wadsworth – Oxera

Automotive Electrical

Truck Repair Shop - Mirfield

Automotive Electrical were denied renewal terms after changes to their flood risk. Their MD Andy Hodgson took out a FloodFlash policy to replace the cover that they had lost.
In February, the FloodFlash sensor triggered late on a Sunday afternoon. By the close of business on Monday they received their payment. Later that week, they were already up and running again.

Harding and Redgewell

Repair Garage - Carlisle

The last thing you want after a flood event is to have your cover taken away by your insurer. This is exactly what happened to garage owner Alex Harding. Extensive flooding in 2005, 2009 and 2015 meant that traditional insurers were no longer willing to take on the risk, and they were forced to operate without cover for a number of years. FloodFlash have provided a safety net for the business, allowing them to operate without fear that another flood might shut them down for good.
“Our insurers were very reluctant to provide any flood cover at all. FloodFlash has given our business a lifeline if we suffer a future flood “
Alex Harding – Harding and Redgewell

“The club are very happy with the cover, they haven’t been able to get it anywhere else for quite a few years now”

Charlie Jarvis – NDML

Tonbridge Juddians RFC

Rugby Club - Kent

Kent based rugby club Tonbridge Juddians struggled to find cover for a number of years. They built the clubhouse on raised foundations and resigned themselves to operating with a reserve of cash to bail them out if a flood were to happen.
When they were introduced to FloodFlash not only were they able to use the reserve for other crucial spending needs, but from raising the clubhouse they had made the premium much more affordable.

Engine Social

Restaurant - Halifax

When you’re running a business in the Calder Valley finding flood insurance can demand far too much attention. Restaurant manager Wil Akroyd managed to find flood insurance for the business, but at greatly inflated premiums. Thanks to a few conversations with expert brokers Wilby and their new FloodFlash policy, the restaurant now has the flood cover they need at a fraction of the price.
“The great thing about FloodFlash is that it means that our premiums are lower because it’s specific to our location. The saving we’ve made allows us to invest in other parts of the business and make improvements there. “
Wil Akroyd – Engine Social
“We would highly recommend FloodFlash to any client and what better way to promote the protection a FloodFlash policy offers than to have one ourselves!”
Ian Proudley – CRS Consultants

CRS Consultants

Insurance Broker – Northwich

In November 2019 floods swept across the North of England. Northwich-based CRS Consultants had previously raised their office by 1 metre, but despite their resilience the business still ended up losing out. CRS wanted insurance that had lower premiums to reflect their investment in resilience measures. They chose a FloodFlash policy and split the payout across multiple trigger depths. Starting at a higher depth made the premium significantly more affordable.