Special event insurance
Liability and certificates for the event itself.
Rain Insurance for Outdoor Events
If rain hits your outdoor event, this policy pays you based on how much rain is recorded during the hours you insure. Request a quote and a licensed broker follows up. Currently serving California.
We shop the market for you, no broker fees
How it works
10 minute form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Quote and bind
We pick the best policy and get you covered.
For events where rain costs you money
When you run an outdoor event, rain usually means fewer guests and lost sales. This coverage pays a set share of your limit for every hundredth of an inch of rain recorded while your event runs, so even a light shower pays something.
It pays from the first drop
Any measurable rain, starting at 0.01 inch, pays part of your limit.
No adjuster visit
The payout follows the recorded rain, so there is no adjuster and no long claims process.
Paid within weeks
Payouts are usually sent within 2 weeks.
What each half of this policy covers
What it usually covers
- Rain recorded during the hours your policy covers
- A light shower as well as a downpour, from 0.01 inch up
- Lost revenue, or at least the cost of the policy, depending on how much it rains
What it does not cover
- Rain that falls before or after the hours you insured
- A trace of rain below 0.01 inch
Limits and terms
- 01
You choose the limit and the threshold
You pick a coverage limit and the amount of rain that pays it in full. The examples in the program guide use 0.25, 0.50 and 1 inch.
- 02
A worked example
On a $10,000 limit with a 0.25 inch threshold, each 0.01 inch of rain pays $400. If 0.16 inch falls during your event, you receive $6,400. At 0.25 inch or more you receive the full $10,000.
- 03
Never more than your limit
The payout grows with the rain up to 100% of the limit you chose.
Who can apply
- Businesses and organizers running outdoor events
- Events in California
Coverages that go with it
What to have ready
- The date of your event and the hours you want covered
- Where the event takes place
- About how much revenue a rainout would cost you, which helps set the limit
Questions we get asked
Do I have to prove the rain cost me money?
No. The payout is based on the rain recorded during your policy period, so there is no adjuster and no long claim to file.
What if it only drizzles?
Any measurable rain pays something. With a 0.50 inch threshold, for example, each 0.01 inch pays 2% of the limit, so 0.16 inch on a $10,000 limit pays $3,200.
How soon is the payout?
Payouts are usually sent within 2 weeks.
What happens after I start a quote?
Tell us about the coverage you need and complete the application. We use those details to approach suitable markets and may ask follow-up questions. Requesting a quote does not put coverage in force.
Review your coverage options.
A licensed broker can review eligibility and policy terms with you.