You can't control the forecast. You can control what it costs you.
Turn weather risk into a fixed cost
Weather insurance protects businesses and events against financial losses caused by specific adverse weather conditions. Coverage can be structured on an indemnity basis — reimbursing actual loss — or on a parametric basis, which pays automatically when a defined trigger is met, such as a set amount of rainfall on the event date.
For any operation whose revenue depends on the sky, weather is often the single largest uncontrolled variable. This coverage makes it budgetable.
What Weather Covers
Weather insurance is commonly used to protect against:
Rain & Storms — cancellation or lost attendance at outdoor events.
Low Snowfall — reduced revenue for ski resorts and winter operations.
Extreme Heat or Cold — conditions that suppress attendance or halt work.
Adverse Conditions for Operations — weather that disrupts agriculture, tourism, construction, or festivals.
Who Needs Weather
Weather coverage is valuable for:
Outdoor events, festivals, and concerts
Ski resorts and seasonal recreation businesses
Agriculture, tourism, and hospitality operators
Construction and outdoor-dependent contractors
Parametric vs. Indemnity
Parametric weather coverage pays a preset amount the moment an objective trigger is met — no lengthy claims process — which is ideal for events with a clear weather dependency. Indemnity coverage reimburses proven loss. We help you choose the structure that matches how weather actually hits your bottom line.
Our Approach
At Cory Washington & Co., Weather coverage is never a checkbox. We evaluate how your business actually operates, review your contracts and exposures, and structure coverage to perform in the real world — not just to satisfy a minimum. Licensed in all 50 states, we place Weather coverage through admitted carriers and specialty markets that compete for your account, then explain the trade-offs in plain English so you can decide with confidence.
Related event coverage: Event Cancellation · Prize Indemnity · Special Event.
All insurance descriptions on this website are provided by Cory Washington & Co. LLC strictly for general informational purposes. They are not intended to be, and should not be relied upon as, legal, financial, or insurance advice. The information presented is general in nature and does not guarantee the availability, terms, conditions, or scope of any insurance coverage. Actual coverage is determined solely by the specific policy language issued by the insurer and remains subject to underwriting approval. Nothing on this website creates or implies an agent-client relationship, binds coverage, or alters any existing policy. Cory Washington & Co. LLC expressly disclaims any liability for actions taken, or not taken, based on the content provided here. For advice regarding your particular situation, please consult directly with a licensed insurance professional at Cory Washington & Co. LLC or another qualified insurance professional, and always review your policy documents in full.
Frequently Asked Questions
How do I get weather insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate weather insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
What drives the cost of weather insurance?
Premiums vary from business to business. The main drivers of weather insurance pricing are the nature of your operations, your revenue and payroll, your loss history, and the limits you carry. Rather than quote a flat figure, we negotiate across several markets and walk you through the options, so you only pay for the protection you actually need.
Do I need weather insurance?
It depends on your situation. Some coverage is required by law; more often, weather insurance is required by a contract, lease, lender, or client before they will do business with you — and even when it is not mandated, it guards against exposures that can be severe. We review your operations and obligations and tell you plainly what you need and why.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.