If the weather affects your business, Tokio Marine HCC can work with you and your clients to provide bespoke insurance solutions. Weatherproof insurance protects against the occurrence of defined weather perils for a predetermined period and location.


  • Bespoke website:
  • Worldwide data
  • Exclusive partnership with leading meteorology company, Athenium Analytics
  • Capacity of up to £3 million any one risk any one location
  • 35 years of data and hour by hour resolutions
  • 587 different weather perils
  • To pay basis
  • Email us at [email protected]

Best For

Any sector which is impacted financially by the weather:

  • Agriculture
  • Construction
  • Energy
  • Events
  • Food and drink
  • Leisure
  • Film and television
  • Retail
  • Sport
  • Tourism

Summary of Coverage

To provide our clients with the best possible weather insurance solutions, Tokio Marine HCC has formed a strategic alliance with Athenium Analytics, an industry leading provider of global weather data.

Weather verification is accurate to within one square kilometer of your risk location. Our bespoke weather cover includes:

  • Film and commercial production insurance protects your budget against weather conditions which affect your shoot, causing delay, rescheduling, extra travel or even entire cancellations.
  • Event weather insurance covers adverse weather conditions which result in a reduction of revenue such as ticket sales or food and beverage sales.
  • Cost containment insurance is designed to limit costs which are associated with abnormal weather conditions. Typical scenarios include snow removal expenses in an unusually or unexpectedly harsh winter or air conditioning expenditure in an especially hot or prolonged summer.
  • Income stabilisation insurance is a business interruption cover in a simplified format, specific to a reduction in revenue or sales tied solely to weather.
  • Promotional weather insurance is designed to increase sales for retailers and manufacturers. The product allows buyers to offer full or partial refunds to consumers on items purchased during an agreed promotional period if an agreed amount of snow or rain falls or the temperature reaches a certain high / low point during an agreed period of time at an agreed location.

There is no need for a loss adjuster or an onsite weather observer. We will provide you with an hour-by-hour verification report within one business day of your claim.

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. 

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