Meteorological Services Insurance Coverage Checklist
The coverages a meteorological services business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for private meteorological and weather services firms. Priorities reflect typical exposure for this class; confirm against your actual services, contracts, and clients.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability / Tech E&O | Covers financial loss from a negligent forecast or alert failure. | Core | |
| General Liability | Covers premises and event-site injury. | Core | |
| Cyber Liability | Covers data-feed outages and breaches. | Core | |
| Workers' Compensation | Covers field deployments in severe weather. | Core | |
| Media Liability | Covers broadcast and published content. | Prevalent | |
| Hired & Non-Owned / Commercial Auto | Covers field and chase driving. | Prevalent | |
| Equipment / Inland Marine | Covers sensors, radar units, and mobile stations. | Prevalent | |
| Umbrella | Adds limits for crashes and catastrophic reliance losses. | Prevalent | |
| Products / Tech Liability | Covers licensed apps and data systems. | Situational | |
| Aviation Professional Endorsement | Covers aviation work most E&O excludes. | Situational |
The coverage gap most often missed
The gap most often missed by weather services is bodily injury and aviation/marine exclusions. Miscellaneous E&O often excludes aviation, marine, and injury arising from professional advice — yet the largest exposures are a missed severe-weather call at an outdoor event or crane site and marine routing. Confirm the policy covers injury arising from your advice.
Send us the checklist and we'll review your meteorological services coverage line by line, then market it across multiple carriers that compete for your account.
Related: Meteorological Services Insurance · Meteorological Services Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a meteorological services business need?
The core coverages for a meteorological services business are Professional Liability / Tech E&O, General Liability, Cyber Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my meteorological services coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.