Promotion Weather

Weather can be used as a sales tool with promotion weather insurance by Tokio Marine HCC - Specialty Group. If the weather turns out as planned, profits soar. If the weather turns bad, stores are covered against huge losses. More importantly, they win the loyalty of both their customers and the community at large.


  • Based on rain, snow or minimum / maximum temperature
  • Shown to increase sales up to 30%
  • Protects company's balance sheet from unnecessary liability
  • Easy to execute

Best For

  • Auto dealers
  • Electronics stores
  • Furniture stores
  • Jewelers
  • Wholesalers

Summary of Coverage

Promotion weather insurance is designed to stimulate sales for many types of retailers and manufacturers. If a certain weather event happens on a predetermined day, consumers receive a full or partial refund on purchases made during the promotional period. The policy can insure against rain, snow or minimum / maximum temperature. Typical buyers of promotion weather insurance include jewelry stores, furniture stores, electronics stores and auto dealers, but many types of retailers have success with these types of insured promotions.

An example would be a jewelry store that runs a sales promotion from the day after Thanksgiving through December 15th and states that anyone who makes a purchase during the sales period would get a full refund on their purchase if it snows X amount on Christmas 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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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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