Rain Insurance

Rain is a wild card for many businesses, and when rain falls, profits can decline.

What is Rain Insurance?

A one-time event becomes a soggy bust or a season turns into a precipitating failure. It doesn’t have to be this way. Rain insurance can offer the dependability that weather cannot. When used properly, rain insurance can help a business recoup financial loss resulting from these types of rain events.

Rain insurance is a weather risk management product that helps protect a business from lost revenue or increased expenses caused by excessive rain or lack of rain. Rain insurance is specifically written for a business’ financial rain exposure. Duration of coverage and limits are tailored to a business’ needs.  Policies can be written for a few hours or up to two years.  Not sure how rainfall affects your business?  Vortex will work with you to help you understand your business’ specific rain risks.

Your business not outdoors? Operations do not need to be outdoors to take advantage of rain insurance. A retail storefront may have slower foot traffic during an abnormally rainy season. Purchasing a rain insurance policy can help guard against the negative affects rain can have on an indoor business. 


Rain Guide

  • 1/10 (0.1) inch of rain – light rain for 30-60 minutes; moderate rain for 15-30 minutes; heavy rain for less than 15 minutes – evaporation time can range from 20 minutes to 1 hour

  • 1/4 (0.25) inch of rain – light rain for 2-4 hours; moderate rain for 45-90 minutes; heavy rain for 15-30 minutes – evaporation time can range from 1-2.5 hours

  • 1/2 (0.5) inch of rain – light rain for 5-10 hours; moderate rain for 1.5-3 hours; heavy rain for 30-60 minutes – evaporation time can range from 2-5 hours

  • One (1.00) inch of rain – light rain for 10-20 hours; moderate rain for 3-6 hours; heavy rain for 1-3 hours; evaporation time can range from 4-10 hours

    *Rain thresholds and evaporation times can vary within a range of weather conditions. The rain guide is an estimation using previous data including temperatures between 50-90 degrees Fahrenheit.

Why do I need Rain Insurance? 

Even with the best planning, the unpredictable can happen, like bad weather. You can’t control when or how the skies open, but a rain insurance policy can help protect against the negative impact the weather can have on your business.

If an outdoor event experiences heavy rain during operation, it could be devastating to traffic and sales. If a ballpark or racetrack suffers too many rainy days in a season, profits could dip drastically. If a Christmas tree farm suffers through a drought that kills 80% of their trees, the financial impact could be crippling.

Rain insurance for events or seasonal operations could mean the difference between walking away empty-handed or stabilizing revenue and being able to resume business. Payments are made within 30 days of a claim and often are received within two weeks, so your operations won’t miss a beat!

How Rain Insurance Works: 

Vortex Weather Insurance writes customized rain insurance policies based on several risk factors. We consider geographic location, time of day, time of year, and historical data to help customers determine their risk and choose an appropriate rain insurance policy. 

We can customize insurance plans for a one-time event, to cover a season, or to cover an entire year or more. 

Rain insurance claims are determined by using National Weather Service data or data from an approved third-party.

The claims process is simple. If your insurance policy is triggered, you will receive payment in approximately two weeks,

Price of Rain Insurance: 

Weather insurance premiums are based on the probability of occurrence and are determined using historical weather data. A business does not have to insure the full value of their event or business like you would a home. The cost of rain insurance varies based on a number of factors. 

For a customized quote or any other questions, please call 866-997-2469 or email info@vortexins.com

Applications of Rain Insurance Include

  • Fairs
  • Outdoor Theaters
  • Weddings
  • Festivals
  • Zoos and Aquariums
  • Film Production
  • Sports Tournaments
  • Haunted Houses
  • Golf Events
  • Concerts
  • Holiday Light Events
  • Agriculture
  • Weather Promotions
  • Racing Events
  • Parades
  • Retail & Restaurant
  • Construction
  • & Many More

Examples of Rain Insurance in Action: 

Rain insurance for an outdoor concert venue can help protect the hours leading up to or during a concert. If an unexpected storm showcases itself before your headliner, rain insurance, when triggered, can act as a financial stopgap so your shows can continue to go on.

Rain insurance for a ballpark can help to protect against too many rainy days throughout the season. For example, a ballpark owner may choose a weather insurance policy that pays out if more than eight games are rained on during the season. 

Rain insurance for a fair or festival can be tailored to help safeguard your event’s most vulnerable and costly hours (main attractions), during a few critical days, or during the entire event. If the crowds stay home when showers are in the forecast, rain insurance may be the solution you need to keep going year after year.

Rain insurance for a construction company can assist in recouping losses if a project is delayed or negatively affected due to rainfall. For instance, when rain has extended beyond your calculated weather delay days, a policy can be written to trigger when rain days accumulate beyond the norm.

Rain insurance for a restaurant can help insure against an abnormally slow season or during a peak weekend. Rain during a tourism season can slow or stop foot traffic altogether. People generally skip the trip when the rain falls, and those lost dollars can’t easily be won back.

Rain insurance for a waterproofing company can be a financial solution when instead of too much rain there is too little.  A lack of rain can cause many businesses to suffer.  For those businesses that are dependent on normal rainfall to keep their services or products in demand, like a waterproofing company, a season in drought-like conditions can be problematic. 

Rain insurance for agriculture can help to insure against too much or too little rain.  A pumpkin patch’s vines become yellow after substantial rainfall throughout the growing season, and much of the crop is lost before the ghosts and goblins arrive to pick.  A policy can be written to help protect the grower’s financial woes.   


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What Our Customers Say

“Anyone who is in charge of running a charity event with a large field should consider Vortex Weather insurance. Signing up for the insurance was easy and eliminated numerous concerns if weather became an issue. It was nice knowing all of the hard work we put into our event was not going to be wasted. We liked the flexibility to set our own terms based on the amount of rainfall and the time constraints. In addition, the price was very reasonable. Having Eric Anderson onsite to represent the company also provided us great confidence in the company and service offered. We will definitely be using the service again for future events.”

— Justin Malone, General Manager, Greensboro National Golf Club

“Our largest tournaments typically involve hundreds of teams playing across 20+ facilities across the city. Vortex insures key locations so while we may experience rain at one facility, but not the others, we know we’re still covered!”

— Tori Blake, Perfect Game Midwest

“Anyone charged with the execution of a high end, costly event can relate with losing sleep to concerns about weather issues. Vortex Weather Insurance enabled us to guarantee playable weather, or offer our participants their money back. This has dramatically eased our concerns leading up to big events and fundraisers where the ability to protect everyone involved increases confidence and credibility. The Metropolitan PGA has partnered with Vortex for our association events and also as a benefit to our Section Professionals who will benefit from investing in weather insurance for their most important events and outings.”

— Jeff Voorheis, Executive Director, MET PGA Section

“We were very fortunate to recently work with Vortex for one of our major events. The service was very easy to use and set up and provided us with the needed peace of mind in case the event was impacted due to rain. We will definitely be using the service again in the future.”

— Geoff Lofstead, Executive Director, South Florida PGA

“Thanks for your help with this process. No rain, thank goodness but I was comforted knowing that if it rained a lot, our budget wouldn’t be wrecked.”

— Ian A., Executive Director, Lakewood Alive – Lakewood, OH

“We scheduled a ‘rain or shine’ event that was a large investment for our organization and we needed to mitigate the risk of bad weather.”

— Bryce H., Salina Highbanks Speedway

“I wish we would have known about Vortex years ago. We’ve had so many jobs that were a washout day after day. Vortex Weather Insurance is an opportunity to shore up your company’s finances when the rain just falls and falls.”

— Bekki Fike, Lily Creek Construction

“Philadelphia Zoo has worked with Vortex Insurance Agency to mitigate the negative impact of adverse weather on attendance. Vortex has offered us creative solutions to weather risk, and we would recommend them to any business interested in removing the uncertainty of adverse weather from its economic model”

— Karl Fritz, Director Business Operations, Philadelphia Zoo

“Weather coverage enables us to protect ‘hard’ expenses that are in the budget, which will require payment whether the event is delayed or cancelled.”

— Dennis B., Beach Soccer Club, Virginia Beach

“We recognize that rain is one of our biggest obstacles when planning any of our outdoor events. With Vortex, it is great to know that we are financially covered if rain becomes problematic. The whole process is quick and simple.”

— Stephen Lecky, Venture Richmond Events, LLC


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