Insure your business anywhere in the world

Insured perils

Rain: Incremental Accumulation

= meaning the total quantity of rain to fall within the Insured Weather Period at the Insured Weather Location.

Snow: Incremental Accumulation

= meaning the total quantity of snow to fall within the Insured Weather Period at the Insured Weather Location.

Temperature: Maximum

= meaning the maximum temperature recorded within the Insured Weather Period at the Insured Weather Location.

Temperature: Minimum

= meaning the minimum temperature recorded within the Insured Weather Period at the Insured Weather Location.

Rain: Non-Consecutive Dry Hours

= meaning a specified number of insured dry hours which occur within the Insured Weather Period at the Insured Weather Location. A dry hour is defined as an hour in which less than a pre-determined quantity of rain falls. This predetermined quantity is usually 0.01 inches, but it can be more if the Insured so wishes and so instructs.

Rain: Consecutive Dry Hours

= meaning a specified number of insured dry hours which pass in consecutive, chronological order within the Insured Weather Period at the Insured Weather Location. A dry hour is defined as an hour in which a pre-determined quantity of rain or less falls. This predetermined quantity is usually 0.01 inches but it can be more if the Insured so wishes and so instructs.

Wind: Maximum sustained excluding gusts

= meaning the maximum hourly wind average recorded within the Insured Weather Period at the Insured Weather Location.

Other insurance conditions

Minimum 1-hour period (An hour is defined as a period 60 minutes starting specifically on the hour e.g. 07:00 or 08:00 or 09:00 and finishing on the hour e.g. 08:00, 09:00 or 10:00)
Maximum 24-hour period
Anywhere in the world
Gridded Data System Model Rating and Claims Verification

For anything that falls outside of the above, please get in touch with a member of our underwriting team and we can work with our meteorologists to accommodate your risk.

Rainfall Thresholds

1/100 (.01) Inch of Rain (0.025cm) – The least amount of measurable rainfall recorded by the national weather service. This amount would not leave puddles on the ground and would slightly wet the surface. Considered to be non-intrusive to outdoor events. Example: A light shower for 2-5 minutes or drizzle for two hours.

1/10 (.10) Inch of Rain (0.25cm) – A light rain for 30-40 minutes, moderate rain for 10 minutes or heavy rain for 5 minutes. Small puddles would form but usually disappear after a short while.

1/4 (.25) Inch of Rain (0.635cm) – A light rain for 2-3 hours, moderate rain for 30-60 minutes or heavy rain for 15 minutes. Many puddles on ground that do not disappear easily.

1/2 (.50) Inch of Rain (1.27cm) – Moderate rain for 1-2 hours or heavy rain for 30-45 minutes. Deep standing water for long periods of time (a light rain never reaches this amount).

3/4 (.75) Inch of Rain (1.91cm) – Heavy rain for 2-4 hours. Deep standing water for long periods of time (a light or moderate rain never reaches this amount).

1 Inch of Rain (2.54cm) – Heavy rain for several hours (2-5 hours). Deep standing water for long periods of time (a light or moderate rain never reaches this amount).

Beaufort Wind Scale

Beaufort Wind Scale	Knots	ms-1	kph	Mph	Wind Description
0	0	0	0.00	0.00	Calm
1	2	1	3.70	2.30	Light air
2	5	3	9.26	5.75	Light breeze
3	9	5	16.67	10.36	Gentle breeze
4	13	7	24.08	14.96	Moderate breeze
5	19	10	35.19	21.86	Fresh breeze
6	24	12	44.45	27.62	Strong breeze
7	30	15	55.56	34.52	Near gale
8	37	19	68.52	42.58	Gale
9	44	23	81.49	50.63	Strong gale
10	52	27	96.30	59.84	Storm
11	60	31	111.12	69.05	Violent storm
12	-	-	-	-	Hurricane