Weather Insurance

Weather insurance policies can be used to provide financial resources to mitigate weather-related variations. Weather insurance does not guarantee to change the weather to suit the policyholder! Rather, it provides financial resources in the event that a change in the weather, as defined in the policy, results in a financial impact to the policyholder.

Over time, weather can vary considerably, and this variation can have both positive and negative impacts on businesses, governmental entities and even individuals. Weather insurance can be used to cover:

  • Special events
  • Revenue stabilization
  • Expense stabilization
  • Product promotions

Some examples of the application of weather insurance include:

  • Special events - Event promoter wants to protect his revenue from a low turnout due to weather
  • Promotions - a manufacturer of snow blowers is providing a partial refund if it does not snow in each purchaser's location
  • Municipality - A town purchases a policy to cover the additional costs of snow removal if snow fall is above average

Perils can include the following weather variations:

  • Rain
  • Snow
  • Wind
  • Temperature
  • Sunshine

Weather insurers typically use the closest National Weather Service reporting station for verification of weather. In some circumstances a special verification service can be set up to address unique client needs.

Snow Removal Insurance

Snow removal insurance is a form of weather insurance that provides for a financial payment in the event that snowfall exceeds a pre-set amount for the specified period, usually a winter season. This coverage is often called "Snow Removal Cost Containment Insurance" since the primary purpose is to contain the cost of snow removal for the policyholder. Weather insurance can be written for a wide range of clients to help to protect from increased cost of snow removal from adverse weather.

Organizations that face this exposure include the following:

  • Municipalities
  • Airports
  • Condominium Associations
  • Community Associations
  • Large Property Owners
  • Banks (branch networks)

The increased financial burden felt by these insureds as a result of unusually high snowfall amounts can be mitigated through snow removal insurance.


Weather insurance is written using a non-standard form with a variety of approaches. As with all forms of specialty insurance, it is very important to read the policy. In many cases the policy has a deductible and a total limit. The policy will pay a set amount per unit in excess of a deductible in the unit, up to a maximum or aggregate amount. The unit can be rain, snow or another weather measurement. By varying the amount per unit and the deductible, the premium is varied.

Get Weather or Snow Removal Insurance

Please let us know your client's specialized weather insurance needs and we will provide you with information and assistance with your particular situation or account.

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Tennant Risk Services
124 LaSalle Road
West Hartford, CT 06107
Phone: (860) 519-1301
Fax: (860) 216-5845

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