Industrial sites carry hard-standing, concentrated stock, and assets that need to stay in production. When they flood, the damage bill is only part of the story. We install nature-based drainage that cuts expected flood losses by 30–55%, then structure your cover around the verified result.
1.1 Most industrial sites are mostly paved. Forecourts, loading yards, car parks, access roads, vehicle storage. All of it sends surface water in one direction: toward the lowest point on site. When the drainage can’t keep up, it floods.
1.2 The physical damage is visible and insurable. Or it was, before premiums climbed and capacity stepped away. The business interruption is the exposure that’s harder to price and harder to recover from. A motor trade site loses its stock and its trading season simultaneously. A manufacturer can lose a production line, a key customer contract, and months of revenue before the repair bill is even settled.
1.3 The paving is also the opportunity. A rain garden at the yard perimeter. Permeable surfaces in the car park. A detention feature at the drainage point. Individually, each seems small. Combined and verified, they change how the site is priced.
COST 01
Physical damage
Stock, plant, fit-out. Visible, countable, and increasingly expensive to insure.
COST 02
Business interruption
The trading loss that follows. It outlasts the repair, and it’s the exposure that finishes businesses.
30–55%REDUCTION IN EXPECTED ANNUAL FLOOD LOSSES: MODELLED, INSTALLED, VERIFIED
02THE METHODPAGE 03 / 07
Risk management and risk transfer, as one package.
02 · THE METHOD
Risk management and risk transfer, as one package.
2.1REDUCE
Nature goes in, risk comes down.
Interventions designed and modelled against your actual site risk, to a standard underwriters accept.
2.2COVER
Cover priced for your actual risk.
Buildings, stock, business interruption, with pathway terms built into the policy, not left to renewal.
2.3VERIFY
Performance monitored. Terms respond.
Sensor technology confirms performance in the file. The excess you couldn’t use becomes one you can.
FIG. 02 · SITE PLAN · ISOMETRICEXPECTED ANNUAL LOSS (EAL) INDEX: 100
FLOOD EXTENTINTERVENTIONSENSOR
03SCHEDULE OF COVERPAGE 04 / 07
Keep your business running, and your buildings dry.
ITEMCOVER
01 · StockGROUND-LEVEL EXPOSURE: PRIMARYVehicles, raw materials, finished goods, inventory. Your highest-value ground-level exposure, covered.
02 · AssetsTERMS TRACK VERIFIED PROFILEBuildings, fit-out, plant and machinery. Covered against flood with terms tied to your verified risk profile.
03 · Business interruptionTHE EXPOSURE THAT OUTLASTS REPAIRYou can’t trade or produce while the site is shut. We cover the revenue gap while you recover, and work to reduce how often you’ll need it.
04ELIGIBILITYPAGE 05 / 07
Is flood already in the renewal conversation?
We work with industrial operators where flood exposure is already a factor. Motor trade sites: dealerships, auction centres, bodyshop and servicing networks, where a single event can write off a forecourt of stock and shut a workshop simultaneously. And manufacturing businesses: engineering, fabrication, food processing, where a flooded production floor means halted orders, broken contracts, and a business-interruption tail that stretches long past the water receding.
Excesses that make cover theoretical.
High deductibles, with no mechanism to bring them down.
IND-01
Premiums climbing with no explanation.
Rising costs, with no story for how to improve your position.
IND-02
A site built to flood.
Hard-standing where surface water has nowhere to go, and no plan to change that.
IND-03
We price for your site, not your postcode.
05PROCESSPAGE 06 / 07
From first conversation to verified cover.
01
Virtual site assessment
We assemble your flood risk profile: sites, paving, drainage, exposure value. A clear picture of where you are and what intervention would deliver.
INPUTS: ADDRESSES · SITE PLANS · EXPOSURE VALUES
02
Design and quote
Interventions are modelled against your actual risk. A policy is structured around the result: current risk priced, pathway to improvement built in.
Two sites in the same flood zone can perform very differently depending on what’s been done to reduce surface water. Your terms should know the difference.
A package, not just a policy.
The commercial insurance market is responding to flood risk the way it always has: higher premiums, shrinking capacity, excesses that make cover theoretical. We think risk is something you actively reduce, and cover should reflect what you’ve done.
For questions about coverage, the intervention process, or whether your portfolio qualifies. We respond within one business day, or email hello@plainsite.io directly.