Never Tried Rain Insurance?

Unconventional as it may seem, it is true that weather insurance not only exists, but it is one of the oldest sorts of insurance at all. Since the beginning of agriculture, farmers' everyday earning has depended on the weather. Weather insurance covers far more than crops nowadays.

Rain - that's the primary target of weather insurance. The positive news is that rain insurance is quite routine and quite easy to find. Regarding rain policies, you can select rain accumulation policies (for this, you need to determine how much rain would still be acceptable for your event and how much would already waste it) or dry hours (how many hours in a period of time were without any rain). Counteraction on snow are for sale in a similar way, either aiming on inches per session or per storm. A unique version of this insurance is especially for municipalities and public organs, who need to cover extra costs by a special snow removal insurance policy.

And that’s only the beginning. There is wind insurance against undesired wind conditions, perfect for instance for a hot air ballooning show. An ice cream promotion can pay for temperature insurance to secure the investment in the face of bad weather.

Usually you can choose your own combination of the various policies needed for your event. Are you making a movie and need to insure underwater visibility or against lack of snow? No problem, film productions are typical clients for many unusual insurance policies. Managers of sports events, concerts, festivals or trade shows are also typical clients of weather insurance. And all the other people, whose business doesn't directly depend on weather, like me, selling life insurance, can at least insure good weather for free time activities and holidays.

This quite new product is just trying to attract clients around the world. When you go on holiday and the weather is much worse than expected, certain French travel agencies (in cooperation with Aon France) are offering partial money reimbursement. Equally, German airline Lufthansa has launched a new sunshine insurance. A simple insurance policy is available for €20 ($31.24) for passengers from Germany. They can get €20 back for every day during their holiday when it rains more than 5mm.

Of course, for destinations such as Tunisia or Greece, weather insurance is not so necessary. And I’m not certain if you are on your way to Vancouver, they will offer you weather insurance. But you pay nothing for asking.