Big Day Umbrella

Everyone always says, "If it rains on your wedding day, it's good luck." But, who really wants a damp and dreary ceremony and reception? With big day umbrella insurance by Tokio Marine HCC - Specialty Group, you might! This wedding day rain insurance pays up to $10,000 if it rains a certain amount during key hours of the big day!


  • Pays up to $10,000
  • Used as gift or differentiating business tool
  • Handled through TotalEvent® online quoting system
  • Premiums as low as $100

Best For

  • Brides and grooms
  • Florists
  • Photographers
  • Venues
  • Wedding / event planners

Summary of Coverage

Big day umbrella insurance is a wedding day rain insurance policy that pays an agreed benefit if it rains a predetermined amount on the insured’s wedding day at a specified location and during specified hours. Although the bride and groom are the most frequent buyers, it’s also used as a unique and memorable wedding gift. A decorative certificate is provided with the insurance policy so it can be nicely presented. Service providers can also use this unique insurance product to differentiate their companies. Wedding and event planners, photographers, florists and venues use it as a refund guarantee if it rains on the wedding day.

A report on the top wedding related claims of 2012 by Property Casualty 360 indicated that adverse weather accounted for 14% of all wedding day insurance claims. Snow storms, hurricanes and other adverse weather conditions can ruin that special day. A big day umbrella policy can save the day.

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Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions. 
financial strength

Our financial strength ensures our clients will always be protected.

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holistic portfolio

Our holistic portfolio of products includes more than 100 classes of specialty insurance

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tokio marine

Tokio Marine HCC is part of Tokio Marine, one of the largest P&C insurers in the world

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