Hill Stone Wood (HSW) is creating a home insurance service that invests 80% of profits into local nature-based solutions (NbS). By collaborating with nature charities and water companies, the project funds flood management and biodiversity initiatives in nearby catchments. The aim is to support sustainable environmental practices while providing value to homeowners through improved local green spaces and ecosystem services.

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Hill Stone Wood is designed to fill part of the funding gap for natural flood management and other ecosystem services in the UK. Hill, Stone & Wood will contribute 80% of its financial service platform into local natural flood management projects that support the broader priorities of the local catchment.

This is done in a three-step process

1. Service: Hill, Stone & Wood’s financial service platform will distribute competitively priced homes insurance from well-respected insurance underwriters. The Hill, Stone & Wood’s financial service platform would be offered direct to the customers various distribution partners – councils, utility companies, nature-based charities who benefit from the improvement of the local and national ecosystem services.
2. Investment: The profit from the platform and contributions from insurance underwriters will be invested in local natural flood protection projects. This will be done in coordination with the local stakeholders – nature charities, nature-based charities, councils, EA and other ecosystem stakeholders.
3. Monitoring: The projects will be monitored for impact.

The NEIRF Grant funded program is designed to further the:

1. Service: design a compelling home insurance product directly linked to the improvement of the local environment.
2. Investment: Design a governance model that allows for ease of funds passing from Hill, Stone and Wood to local projects. 100 Return to contents
3. Monitoring: In conjunction with the governance model, design a monitoring capability that releases the full value of ecosystem services (stack) created by the investment.