Event Weather Insurance

Includes Rain Insurance and Snow Insurance for Indoor and Outdoor Events.

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Weather insurance is a highly affordable way to guarantee that your expected revenues will not be reduced by adverse weather. Most event organizers can easily build the cost of Weather Insurance into their event.


DEFINITION

Weather Insurance Is purchased by organizers of events (outdoor and indoor) to provide reimbursement for lost revenues (gate vendors, food, parking, etc.) caused by adverse weather (rain, snow, wind, temperature, lightning, etc.), which negatively impacts attendance.


HOW DO YOU DECIDE HOW MUCH INSURANCE TO BUY?

The amount of coverage that you buy should reimburse you for some percentage of your expected event revenues up to 100%. Since the policy is based on an agreed amount of coverage that you select, you never have to prove the amount of loss to your insurance company. It is recommended that you purchase coverage for 100% of your expected revenues.


COST

The cost of Weather Insurance is a function of the statistical probability that the adverse weather event will be triggered at your exact location(s) or selected reporting station, date(s), and time(s) of day of your covered event(s) based on several years of historical weather data and the amount of revenue that you would like to insure.


WHAT IS AN ADVERSE WEATHER EVENT?

Perhaps the most important aspect of Weather Insurance is defining what constitutes an adverse weather event. To a large degree, you have the discretion of setting your own definition by choosing the amount of rain, snow, etc. within the hours preceding the event or during the event that will trigger coverage.


WHO VERIFIES THE ADVERSE WEATHER EVENT?

Verification can be determined either by the data from the closest National Weather Station, an on-site independent weather observer ($35 per insured hour) or by Accuweather.