Every commercial portfolio has spaces hiding in plain sight: margins, rooftops, courtyards. These could be absorbing surface water instead of sitting idle. Plain Site writes flood cover where nature-based risk reduction is built into the policy from day one. As verified interventions go in across your portfolio, your cover improves.
Rising premiums are the symptom. The underlying problem is that most insurers can only raise prices or leave. They have no way to price what you do to reduce risk.
We write flood insurance directly, and we embed nature-based flood reduction in the policy from day one.
The solutions already exist, the problem is verification. Our models and performance data deliver simulation-grade accuracy so when a rain garden goes in, your cover and terms account for it.
We review your portfolio for flood exposure and intervention opportunity: what you have, what's possible, and what the risk reduction would actually be worth.
We write a policy that reflects your current risk and builds in the pathway for it to improve. No waiting until renewal to see whether it mattered.
As interventions are installed, we verify their performance to auditable standards. Your cover updates to match. The better your portfolio performs, the more competitive your premiums become.
We cover nature-based flood interventions across your portfolio: sustainable drainage, permeable surfaces, bioswales, water retention features. Each one is modelled against your actual risk profile, documented, and verified to a standard that changes how your cover is priced.
The commercial property insurance market is splitting in two. In one direction: continued withdrawal, escalating premiums, gaps in cover. In the other: a new category of insurance that prices risk as something you actively reduce.
If your portfolio has flood exposure, the kind that's already showing up in your renewal conversations, learn about what we can offer.