Income Stabilization

Income stabilization is a simplified business interruption tool that protects against the risk of a reduction in sales or revenue tied solely to weather. This coverage can be used to stabilize income for businesses, such as restaurants or pay-for-play golf courses, that rely on good weather on weekends and holidays.


  • Avoid loss of revenue due to weather  

Best For

  • Boat rental companies
  • Car washes
  • Pay-for-play golf courses
  • Restaurants
  • Water parks

Summary of Coverage

Tokio Marine HCC's income stabilization coverage can be used to protect against the risk of lost sales or revenues due to weather. This seasonal or annual coverage responds to the loss of revenue caused by adverse weather conditions that affect the business. The insured receives an agreed upon payout per day or per season to offset the shortfall.

For example, a pay-for-play golf course experiences a summer of weekend washouts, dramatically impacting its bottom line. Or, a restaurant that relies on extra revenue from outdoor dining in the spring and summer, experiences plummeting revenues during an unusually rainy season. Income stabilization insurance could help both establishments make up for the lack of customers during a period of time that is typically busy and profitable.

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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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