Vortex Snow Insurance

Customizable

For Excess or Lack of Snow

Commercial Snow Insurance

Designed To Help Reduce Annual Budget Volatility

Excess snowfall or too little snow can disrupt your business revenue—whether your business depends on winter weather or just a need to manage it. Vortex Snow Insurance helps cover essentials like keeping staff, regular business costs, or saving for the following year if revenue drops.

Benefits & Why Snow Insurance Matters

Revenue Stabilization (Heavy or light snow seasons)
Cost Control
Staff Retention
Cash Flow Predictability
Geographic Diversification
Client Rebate/Retention Program

Types Of Snow Insurance

There are several different snow insurance structure options that can be built for your business. Here are a few:

Seasonal Excess or Lack of Snow-Accumulation Coverage

You choose the snowfall accumulation level, that would jeopardize your budget, as well as the amount of funds per-inch of snow you want to cover. If snowfall totals fall short of the chosen accumulation level, Lack of Snow-Accumulation coverage provides you a payout. Conversely, if snowfall totals exceed the chosen accumulation level, Excess coverage provides a payment.

Snow-Event Coverage

With this type of coverage, you indicate the daily snow total that defines the event, the number of snow events that will cause a budget overrun, as well as the amount of funds-per-event. When the actual number of events meets or exceeds the number in the policy, a payout occurs.

Unique Snow Coverage

Such a policy may reduce the influence of a single day of heavy snow. Your policy can be written to include specific weekends and holidays when overtime costs are highest, as well as multiple locations. You can also have a policy specifically designed for a single day of heavy snow, for use in a marketing or sales promotion, for example.

Vortex snow insurance coverage is customized to fit YOUR business’s most critical snowfall risks

Financial Solutions for
Excess Snowfall & Lack-of-Snowfall

Whether your business is facing a record-breaking blizzard or a winter that barely dusts the ground

Multiple Location Retailers

Might prefer insurance to protect against unexpected snow removal costs due to its straightforward claim process.

Municipal Snow Contractors

Could utilize derivatives to hedge against volatility, targeting specific high-cost weekends and multiple locations.

Ski Resorts

May want an insurance policy for lack-of-snowfall to offset reduced ticket sales and cancellations during a warm winter.

Logistics Companies

With significant financial backing, may design a derivative to manage supply chain disruptions due to heavy snow on key corridors.

How Much Snow (Or Lack Of Snow)
Would Tip The Scale For Your Business?

Feature	Excess Snowfall Hedge Example	Lack-of-Snowfall Hedge Example
Purpose	Protects against too much snow	Protects against too little snow
Coverage Period	November 1 – March 31 (typical winter season)	November 1 – March 31 (typical winter season)
Location	Minneapolis International Airport (MSP)	Minneapolis International Airport (MSP)
Trigger Threshold	Snowfall above 70 inches	Snowfall below 40 inches
When It Pays	If recorded snowfall is over 70 inches	If recorded snowfall is under 40 inches
Payout Rate (“Tick”)	$50,000 per inch above 70 inches	$50,000 per inch below 40 inches
Fractional Payments	Pays $5,000 per 0.1 inch above threshold	Pays $5,000 per 0.1 inch below threshold
Maximum Payout	$1,000,000 (max limit at 90 inches total snowfall)	$1,000,000 (max limit at 20 inches or less of snowfall)
Example Scenario	80 inches = 10 inches over » 10 × $50,000 = $500,000	30 inches = 10 inches under » 10 × $50,000 = $500,000
Use of Payout	Covers increased costs: payroll, fuel, supplies, overhead	Helps cover ongoing costs: payroll, operations, future planning

Get Started

Talk to our licensed agents to create a custom quote for your snow insurance policy today.

Call (866) 997–2469 (toll-free) or Email info@vortexinsurance.com

Call Today

Snow Weather Insurance for COMMERCIAL BusinessES