Highlights

Lines of Business
Inland Marine

Billing Options
Agency Bill, Credit Card

Minimum Earned Premium
Premium fully earned at binding

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.

Weather Perils

Available weather perils are indicated below. Multiple perils can be selected in a single quote.

Peril Description
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.
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.
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.
Temperature Maximum Provides coverage if the selected temperature is reached or exceeded during the coverage period.
Temperature Minimum Provides coverage if the selected temperature is not reached during the coverage period.
Wind Maximum Provides coverage if the selected wind speed is reached during the coverage period.
Visibility Provides coverage if the selected visibility distance is not reached during the coverage period.
Cloud Cover Percentage Provides coverage if the selected Cloud Cover percentage is reached or exceeded during the coverage period.
Sunshine Percentage Provides coverage if the selected sunshine percentage is not reached during the coverage period.

Rainfall Definitions

General description of rainfall amounts are indicated below.

Amount Description
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.
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.
1/2 (0.50) Inch of Rain 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).
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).
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).

Claim Verification and Settlement

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.

Observation Method Description Cost
Closest National Weather Station Closest National Weather Station (as identified by Abacus Insurance Brokers, Inc.). The weather station is usually the closest airport. If another monitoring method is not selected and approved, the National Weather Station option will apply. There is no additional charge for this option.
Independent Weather Observer An on-site Independent Weather Observer (to be approved by Abacus Insurance Brokers, Inc.) may be used. The on-site Independent Weather Observer Qualification Sheet must be completed, forwarded to Abacus and approved in advance of quote approval. Payment to Independent Weather Observer responsibility of client.

Eligible States