The platform, which targets the residential segment, offers rapid quoting capabilities and greater operational efficiency for brokers and coverholders.
Built on Brit’s proprietary technology infrastructure, the platform enables API-based connectivity with agents’ systems, allowing quotes to be generated in less than two seconds. Brokers can bind or cancel policies directly through the platform, eliminating the need to log in to separate portals.
Brit Flood offers up to $1 million in combined residential flood coverage, with optional extensions including loss of rents, business interruption, and building contents.
The platform supports a range of deductibles and is available across all 50 US states, including coastal zones. It also incorporates surge coverage, addressing risks often excluded from standard policies.
“With flood events becoming more frequent and severe, private insurance has a growing role in closing the protection gap,” said Joanne Allen, class underwriter at Brit.
“We’ve been active in the primary flood market for over a decade. With Brit Flood, we’re delivering faster and more flexible coverage options that reflect the changing risk landscape.”
The product is underpinned by detailed risk data, enabling Brit to assess exposures with greater precision. This allows for more responsive rate-setting and rule adjustments, particularly in response to evolving weather patterns and regulatory environments.
The use of data-driven underwriting also supports efforts to reduce the reliance on manual processes and improve consistency in pricing.
Brit’s launch comes amid increased interest in private flood insurance as an alternative or complement to the National Flood Insurance Program (NFIP). With the US flood market still marked by underinsurance and rising losses, Brit Flood aims to help close the gap in residential coverage.
Andy Bowers, managing director of Programs & Facilities at Brit, added that the platform represents a broader shift in how brokers and carriers interact.
“Clients increasingly expect integrated solutions that align with their internal workflows,” said Bowers. “Brit Flood allows us to meet that demand, reducing friction and improving the broker experience.”
