Understanding
Weather
Insurance
WHAT IS WEATHER INSURANCE?
HOW IS WEATHER INSURANCE DIFFERENT?
To better understand how weather insurance is different,
compare a weather policy to other types of insurance.
Here’s the chance of a potential insurance
claim on a single day over a 20-year period:

As a comparison, here’s the chance of .25 inches of rain falling on any single day between June and August:
Weather Insurance

The chance of sustaining an adverse weather loss
compared to traditional property and casualty events (i.e.
collision, fire, etc.) is greater, which means payment is
triggered under weather insurance more often.
WHY WE’RE DIFFERENT

Expertise
You might call us weather nerds, and we’re fine with that. We don’t just work with insurance and weather—we understand both. And we’ll help you understand more, too, so that you have the insight to mitigate your business risks.

Simplicity
You choose the weather coverage you need. And if the conditions of your policy are met, you’ll receive your payment in around one to two weeks—no cumbersome paperwork required.

Flexibility
Risk management isn’t a one-size-fits-all solution. Instead, we’ll create a policy built for your specific needs and concerns so that you can protect your brand, your business and your bottom line.
WHAT YOU SHOULD CONSIDER

How does weather impact your business?
Before you dive into the details of weather insurance coverage, identify how weather impacts your business. What are your concerns? And what could you lose in a worst-case scenario?

Identify weather variables
What weather poses the biggest threat: rain, snow, wind, drought or extreme temperatures? And are you concerned about too much weather or too little?

When do you need coverage?
Are you covering a single event and need protection during a certain timeframe? Or are you looking for long-term or seasonal protection, whether for an event series or a specific type of business?
Weather can affect a business in multiple ways. If you don’t know where to start, we’ll assess your business’ weather risks and structure a plan for your specific needs. We’ll keep it simple every step of the way.