Can You Insure Against Severe Weather?

Your event, our risk(tm)

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Event Insurance can only cover the consequences of the unforeseen. It is not possible to take out insurance against a known or existing cause of loss, or a situation which may develop into a loss - all event insurance (whoever you buy it from) is written on this basis.

Once the severe weather strikes it becomes a known cause of potential loss, so please bear this in mind  when buying event insurance - the circumstances of severe weather may not be covered, depending on when and where the event is taking place.

If you bought your event insurance well ahead of the event, then if we are suddenly hit by bad weather that would not have been a known circumstance at that time, so you are OK. Also, if the weather returns to seasonal norms, it will then cease to be a general existing circumstance, and will be insurable again.

If insurers were to take on an existing cause of loss, it would be rather like insuring a house that was already on fire - not possible.

This situation once again illustrates the importance of planning ahead and buying event insurance early in the event management process.

If in doubt, please call us.