Event Weather

Tokio Marine HCC can help you or your clients be prepared for unpredictable weather patterns. Event weather insurance protects revenue losses caused by adverse weather conditions that reduce attendance and the sales of concessions, food and parking.


  • Stated value policy
  • Smartphone claim verification app
  • Cancellation of the event is not required for triggered policy
  • Rain coverage can cost as little as $150

Best For

  • Air shows
  • Concerts
  • Fairs / festivals
  • Parades
  • Sporting events

Summary of Coverage

Event weather insurance is a risk transfer tool that protects against adverse weather conditions that can reduce revenue from sources such as ticket sales, concessions, food and parking. Typical buyers of event weather insurance include fairs and festivals, concerts, sporting events, parades and air shows. It can provide coverage for many perils including rain, snow, wind, lightning and adverse weather.

For example, with a rain insurance policy through Tokio Marine HCC - Specialty Group, festival organizers can be assured that if rainfall keeps people from attending their event and revenues drop, they will be covered. In this case, a weather policy would pay out if 0.2-inch of rain accumulation occurred during the key event hours of 4:00 p.m. and 9:00 p.m. If it rained more than 0.2-inch, a check is written to make up for the festival's losses.

Smartphone App for Smarter Claims Verification

Tokio Marine HCC - Specialty Group has formed a strategic alliance with Weather Analytics and launched a Smartphone app for our weather insurance clients. This innovative technology provides smarter claims verification for our weather policyholders to validate if there is a weather claim at a specific event. The app allows users to view and download a detailed hourly report of the weather data. Based on this report, if a claim is validated, a check will automatically be mailed within three business days of claim notification.

TotalEvent® Insurance Online

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.

Click here
holistic portfolio

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

Click here
tokio marine

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

Click here