Snow Insurance

All kinds of businesses can be adversely affected by too much or too little snow

What is Snow Insurance?

Some geographic regions are seeing record snowfall, some are being affected by snow earlier or later in a season, and some areas that rely on snowfall are going with too little. All kinds of businesses can be adversely affected by too much or too little snow. That’s where snow insurance can help protect businesses against this weather seesaw. 

Snow insurance is a specialty insurance product written for too little or too much snow.  Snow insurance helps protect businesses from lost revenue or increased expenses caused by excess snow, lack of snow, or both. Weather policies like snow insurance are written explicitly for these types of risk. Duration of coverage and limits are tailored to a business’ needs.  Snow insurance policies can help protect a business for a day, a season, and beyond.

Your business does not need to operate outdoors to take advantage of snow insurance. Abnormal snowfall in a season may slow foot traffic to your storefront. If your business resides in a winter destination, you may experience sliding sales if too little snow falls in a season. Purchasing a snow insurance policy can help guard against the unfavorable effects snow can have on your indoor or outdoor business. 


Why do I need Snow Insurance? 

You can’t control the weather, but Vortex Weather Insurance can help protect against the negative impact the snow can have on your business. Purchasing a snow insurance policy could help protect you against monetary loss. 

Too much or too little snow can hurt the financial health of a business.  Excessive amounts of snow can increase costs, reduce profitability, or put a strain on overall operations. Too little snow for a company that depends on an average snowfall can diminish earnings.

How Snow Insurance Works: 

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

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

Snow insurance claims are determined by using National Weather Service data or approved third-party data. If a business experiences snow at or above the amount outlined in their policy and a claim is determined, payment will be made.  

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

Price of Snow 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 snow insurance varies based on a number of factors. For a customized quote or for any other questions, please call 866-997-2469 or email 

Examples of Snow Insurance in Action: 

Snow insurance for a snow removal business acts to manage weather risk during an unusual season.  For snow removal, too much or too little snow can affect revenue and operating budgets.

Snow insurance for an outdoor business that operates year-round can help guard against a slow season. For example, if a location typically sees three big snow events, but this winter there have been seven events–a policy can be written to help insulate a company from a rough winter and the monetary woes that come with it.

Snow insurance for a restaurant can help businesses survive a slow winter season. Excess snowfall can cause diners to stay home. Seasonal loss can be recouped when policy conditions are met, and the doors can remain open. 

Snow insurance for a retailer can insure against slow winter shopping seasons due to excessive snowfall. Snowfall tends to keep shoppers at home. If the weather triggers a snow insurance policy, a retailer won’t have to worry about the number of customers coming through the doors.

Snow insurance for a business in a winter destination can mean lost revenue if the snow doesn’t fall. When a company relies on snowfall to attract tourism, a policy can be written that helps to financially protect a business in cases where there is a substantial lack of snow.

Snow insurance for commercial real estate can help to alleviate the costly nature of excessive snowfall.  Years of abnormal snowfall can stress allocated reserves and make it difficult to budget.  If a policy is in place, it becomes easier to budget for an upcoming winter season.


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We can’t predict the weather, but we can protect your business from it


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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