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rain, snow, wind and more for
a single event or production
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Weather
Perils |
Rainfall Definitions |
Claim Verification and Settlement |
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Program
Summary |
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The Weather Insurance Program provides
weather coverage for a single event or film production occurring in
the United States. Over 250 event and production types are
eligible for the program.
Coverage must be purchased at least 14
days in advance of the desired coverage start date.
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Weather Perils |
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Available weather perils are indicated
below. Multiple perils can be selected in a single quote.
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Peril
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Description
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Rain Total Accumulation |
Rain Total Accumulation provides
coverage if a certain amount of rain falls during the
selected time period above a selected threshold. The level
of rain selected should be based on how much rain would need
to fall during the selected hours in order to negatively
impact the event.
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Rain Free/Dry Hours |
Rain Free/Dry Hours provides
coverage when there is a desired amount of dry (i.e. rain
free) hours.
For example, an insured may have a 10 hour window in which
they need 4 hours to be dry. If it is not dry for at least 4
of those 10 hours then the policy would pay.
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Snow |
Snow Total Accumulation provides
coverage if a certain amount of snow falls during the
selected time period. The level of snow selected should be
based on how much snow would need to fall during the
selected hours in order to negatively impact the event.
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Temperature Maximum |
Provides coverage if the
selected temperature is reached or exceeded during the
coverage period.
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Temperature Minimum |
Provides coverage if the
selected temperature is not reached during the coverage
period.
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Wind Maximum |
Provides coverage if the
selected wind speed is reached during the coverage period.
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Visibility |
Provides coverage if the
selected visibility distance is not reached during the
coverage period.
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Cloud Cover Percentage |
Provides coverage if the
selected Cloud Cover percentage is reached or exceeded
during the coverage period.
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Sunshine Percentage |
Provides coverage if the
selected sunshine percentage is not reached during the
coverage period.
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Apply for a Weather Insurance Quote
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If you would like a quote on General
Liability for your event, please complete the
online application for the
Special Event Insurance Program.
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Rainfall Definitions |
Top |
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General
description of rainfall amounts are indicated below. |
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Peril
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Description
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1/100 (0.01) Inch of Rain |
A light shower for 2-5 minutes or a
drizzle for 2 hours. This would not leave puddles on the ground
and would slightly wet the surface.
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1/4 (0.25) Inch of Rain |
A light rain for 2-3 hours, moderate
rain for 30-60 minutes or heavy rain for 15 minutes. Many
puddles on ground that do not disappear easily.
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1/2 (0.50) Inch of Rain
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Moderate rain for 1-2 hours or heavy
rain for 30-45 minutes. Deep standing water for long periods of
time (a light rain never reaches this amount).
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3/4 (0.75) Inch of Rain |
Heavy rain for 2-4 hours. Deep
standing water for long periods of time (a light or moderate
rain never reaches this amount).
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1.0 Inch of Rain |
Heavy rain for several hours (2-5
hours). Deep standing water for long periods of time (a light or
moderate rain never reaches this amount).
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Claim Verification and Settlement |
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Claim verification and settlement and based
on the recorded weather for the covered peril during the event period.
The recorded weather can be either the closest weather station or an
independent weather observer. |
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Observation Method
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Description
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Cost
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Closest National Weather
Station |
Closest National Weather Station (as
identified by underwriting). The weather station is usually the
closest airport. If another monitoring method is not selected
and approved, the National Weather Station option will apply.
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There is no additional charge for
this option. |
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Independent Weather Observer |
An on-site Independent Weather
Observer (to be approved by underwriting) may be used. The
on-site Independent Weather Observer Qualification Sheet must be
completed, forwarded to underwriting and approved in advance of
quote approval.
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Payment to Independent Weather
Observer responsibility of client. |
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Disclaimers
Coverages referenced on this
website may not be available in all territories and may vary depending
on the exposure. Minimum premiums may vary by
State. Coverages and
services described in this website are generally stated for the purpose
of promotion. The material does not modify or amend the
terms, conditions, or
coverages of any policy. Please ask your Supple-Merrill & Driscoll, Inc.
representative to explain coverage details, exclusions, limits
or other provisions of any
insurance policy.
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