Bad weather event insurance is essential for organisers of outdoor events
Event orgnaisers should ensure they keep their eyes on weather warnings, and are ready to update event-goers when necessary.
At Insure Our Event, we believe it is imperative to remind event planners about bad weather and bad weather insurance. Event planners must be vigilant about unexpected extreme weather conditions that could disrupt an event. They must also understand why possessing bad weather insurance is crucial.
What can you do about the weather?
Most winter and spring events are planned inside; mianly because outdoor events are at greater risk of cancellaiton due to the liklihood of poor weather. The weather can also impact indoor events due to travel restrictions, transport postponements and inaccessibility.
As an event orgnaiser, cancellation is always a risk – which is why event cancellation insurance is always recommended. This type of insurance will cover costs such as lost deposits or refunded ticket sales.
However, bad weather insurance is able to cover your event if it’s affected by unforeseen circumstances but does not necessarily result in cancellation. Also bad weather insurance is necessary for outdoor events, as standard cancellation insurance will often only cover indoor events.
What is bad weather insurance?
Bad weather insurance (adverse weather insurance) is designed to pay out for irrecoverable costs, loss of revenue or any costs incurred with rescheduling.
Cancellation or disruption due to bad weather is often included as standard in most event cancellation policies if the event is happening indoors. However, you’ll need additional cover if you’re hosting an outdoor event or an event in a temporary structure.
Let’s say you’re planning a garden party which takes place outside. Whether it’s on private land or public land, the bad weather insurance add-on will be required as well as cancellation insurance for you to remain fully covered.
Or let’s say you are running a community fundraiser. Maybe you’ve already lost money postponing the original event to later in the year. The last thing you need is having to reschedule or cancel again. But that won’t stand in the way of the British weather. It might be a storm, high winds, heavy rainfall or even snow that means it’s unsafe for your event to go ahead. The safety of your guests and any volunteers simply has to come first.
We’re advising event organisers to expect the unexpected. Prepare for the bad weather with a back-up plan. Have a marquee on-hand or additional healthy and safety procedures in place to combat heavy rainfall. But always have peace of mind that you won’t lose out financially if you have bad weather insurance.
How much does Bad Weather Insurance cost?
The cost of bad weather insurance varies depending on a range of factors, including the size of the event, the location, planned outdoor activities, season and any claims history. As an add on to a policy the price with vary from £10 to £50 extra, or possibly more for large scale events.
The quickest method to view the price of bad weather insurance is to fill out Insure Our Event’s instant quote form. This will deliver and instant price online, helping you review the cheapest comprehensive insurance option for your outdoor event.
See if you need adverse weather insurance – Play our Checker Game today
Play our adverse weather checker to find out exactly how the weather can impact your event. Is it really true that your event will be okay, rain or shine? Let’s find out.
Buy Bad Weather Insurance Today – Don’t leave your event to chance
Recieve an instant quote for free now. Don’t leave insurance until the last minute, it is recommended that purchasing insurance is done early to ensure all areas of your event are covered.
