The next generation of commercial flood insurance is here

Rapid payout insurance is changing the way landlords and businesses recover from flooding.

Discover how FloodFlash can help regardless of your flood history.

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“The broker was extremely confident”

Need guidance on trigger depths, payout amounts or sensor placement? Perhaps you want a helping hand during a claim. Every FloodFlash broker is trained to guide you through every step of your policy. Click to request an expert consultation.

Martyn Gibbons
Knowl End Farm, Todmorden

How it works

Our data and smart sensor approach removes the uncertainty, cost and time of traditional insurance. As a result we can provide fast, easy and flexible cover to the businesses and landlords that need it most. Watch the short intro video to find out more.

Traditional insurance


Available to landlords & businesses

A-rated Lloyd’s capacity Capacity from other insurers may or may not come from certified Lloyd’s providers
No excess Traditional policies do not always include an excess, but flood insurance increasingly sees an excess applied to keep the insurer’s costs down
State of the art sensor
Pick your own premium
Spend the payout how you want
No loss adjustment
Rewards resilence
Quote for any property We provided a quote for over 99% of those requested in 2019

Explore Flood Flash

Explore rapid-payout cover

FloodFlash isn’t like traditional commercial flood insurance. It is faster, smarter and more transparent. Select the tabs below to explore behind your policy.

Your smart sensor explained

A FloodFlash sensor comes with each policy. It measures flood depth at your property so that we can start working on your claim as soon as your policy triggers.


Each sensor is equipped with high-accuracy, ultrasonic depth measurement technology – a bit like the parking sensors on a car. It also has mobile connectivity to send up-to-date flood data to FloodFlash HQ.


The sensor is built to last. It features a battery that lasts up to 12 years, tamper proofing and a memory chip to store data for when networks fail. It can weather almost any storm that comes your way.


The sensor is tamper and fraud proof. It has been tested under storm conditions so it’s up to any challenge. Plus the simple installation means that we can organise no-fuss replacements if needed.

How installation works

Once you’ve taken out a FloodFlash policy, the next step is to get the sensor installed on the outside of your property. It happens in three simple steps.

Choose sensor location

This happens at the quote stage. The property footprint you select for your cover (available on the statement of fact document we send to you) dictates where you have selected for your sensor. Need to change it? No problem, just request a new quote.

Engineer visit to install

Once you’ve confirmed the quote and purchased the cover, we send an engineer to your property. They bring the sensor and tools, you just need to make sure the area you want the sensor is cleared beforehand.

Sensor health check

Once installed, the engineer initiates the sensor and it begins sending readings to FloodFlash HQ. We check these readings to make sure everything is working. After that the sensor is vigillant, ready to report the first sign of flooding and start a claim.
FloodFlash claims don’t have the paperwork and waiting associated with most insurance. We aim to pay the majority of claims within 48 hours – our fastest ever took just 9 hours and 44 minutes.

Flooding triggers the sensor

When your sensor detects a flood at your selected trigger depth, it sends the data to us via wireless networks

We verify the data

We carry out a few checks on the sensor data and other local sources to make sure everything is correct and there has been a flood.

We pay out

Once the checks have been passed, we ask for your businesses bank account details and send the money.

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