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Hay Farm

Rain/Event Insurance

For the times when you face financial losses due to abnormal rainfall

What is Rain Insurance?

Rain insurance is a type of weather insurance designed to provide financial protection against losses due to rain disrupting planned outdoor events. This insurance offers coverage for various events, such as weddings, concerts, festivals, and sports gatherings, ensuring that event organizers or individuals can recover some of their financial investments if rainfall adversely impacts their event. The policy typically involves predefined rainfall thresholds that, if exceeded, trigger a payout to cover costs associated with the disruption, such as rescheduling, venue changes, or lost revenue. This provides peace of mind and helps manage the financial risks associated with unpredictable weather.

All you need to know about Rain/Event Insurance

  • Purpose: Financial protection against losses from rain disrupting outdoor events.

  • Eligible Events: Weddings, concerts, festivals, sports events, and other outdoor gatherings.

  • Maximum Claim: Up to $50,000.

  • Coverage Trigger: Rainfall exceeding a set threshold (e.g., 0.25 inches) during the event.

  • Customization: Based on location, date, time, and duration.

  • Required Documentation: Event details (venue, date, time, expected attendance, budget).

  • Premium Calculation: Depends on event type, location, date, time, and coverage amount.

  • Exclusions: Other weather disruptions (e.g., snow, wind) and non-weather-related cancellations.

  • Claim Process: Documentation of rainfall from an approved weather station and proof of financial loss.

  • Payout: Lump-sum up to the insured amount upon claim verification.

  • Policy Term: Typically covers the event day, with options for setup and teardown periods.

  • Benefits: Peace of mind, financial protection, and event viability despite adverse weather.​

Resources

Rainfall amounts:
https://www.weather.gov/lox/rainrate

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