Commercial property with flood cover

The scheme will provide BIBA members with comprehensive cover at highly competitive terms from secure A rated Lloyd’s capacity for many of their commercial or property owning clients. And, for clients that have previously suffered from flood damage or that are situated in an area with a high potential for flood damage, quotations will also be available in most cases.
Key benefits include:

• Simple easy to access quotation process;
• Clear and concise policy documentation
• Risk assessment using state of the art mapping technology from Landmark;
• Recognition of flood resilience and resistance measures in pricing and terms;
• Availability of an optional additional policy covering high flood excesses; and
• The potential to consider resilient repairs as part of claims solution;
• 24 hour 365 day property claims notification line to Broadspire, part of Crawford & Co.

Key aspects of cover
There are three specific products available:
• Commercial Combined for manufacturing and distribution trades;
• Package for retail, office and surgeries; and
• Property Owners for individual and portfolio property investors
Each has wordings that include loss damage and liabilities that you would expect from a comprehensive commercial policy. Where the property or the liability risk is outside R&Q’s underwriting footprint, flood cover may be provided in isolation on selected cases.
Excess Buy Back
The proposition includes an ‘Excess-Buy-Back’ facility. Where, because of the nature of the risk a higher flood excess applies, your clients can for an additional premium cover their excess too. Simply ask your underwriter at the time of quotation.
Using the Scheme
Part of the R&Q group of companies that employs over 400 people worldwide, R&Q is an established MGA that underwrites commercial (non-motor) classes from three branch offices, in London, Birmingham and Manchester.

Summaries of cover

Commercial Combined

Package Combined

Property Owners 





James Wheddon

0207 780 5974


Marek Rusinek

0161 935 8342


Paul Woodcock

0121 726 7480


Simon Coulson

01202 087 690