Rainfall
Pays on millimetres of rain in six or twenty-four hours, measured on the cell that holds your site.
Typical strike
43 mm in 6 h (or 78 mm in 24 h)
(01) The policy
Five numbers,
filled in for this peril.
The fifth number is your cell: we read it from the address you send, before the quote.
Index
Accumulated rainfall in the cell over a rolling 6-hour or 24-hour window, whichever pays more
Typical strike
43 mm in 6 h (or 78 mm in 24 h)
Exit · pays 100 %
84 mm in 6 h (or 137 mm in 24 h)
Limit range
$120,000 – $14,500,000 per location
Tiers
Tier 1 · 43 mm in 6 h or 78 mm in 24 h · pays 25 % — Tier 2 · 61 mm in 6 h or 104 mm in 24 h · pays 50 % — Tier 3 · 84 mm in 6 h or 137 mm in 24 h · pays 100 %
(02) How it’s measured
Meridian Ground Network · Halcyon Radar Mosaic · Copernicus ERA5 reanalysis
At least two of the sources must land within the policy margin before the calculation agent signs. If they don’t, the fallback order in your schedule decides.
(03) Who buys it
Outdoor event organisers, farms and orchards, construction contractors, ski and bike operators, open-air retail
(04) The policy in full
Rain is the peril where the two worlds disagree most. A tent can flood at 43 millimetres in six hours, while a drained car park takes 90 millimetres in a day without a puddle. The Rainfall policy lets you choose the window that matches how your site actually fails: a rolling 6-hour window for flash events and a rolling 24-hour window for saturating ones. Whichever window gives the higher tier is the one that pays.
Tier 1 starts at 43 mm in 6 hours or 78 mm in 24 hours and pays 25 % of the limit. Tier 2 starts at 61 mm in 6 hours or 104 mm in 24 hours and pays 50 %. Tier 3, at 84 mm in 6 hours or 137 mm in 24 hours, pays the full limit. The windows roll hour by hour, so a storm that peaks at 02:00 does not lose half its rain to a midnight cut-off.
The cell value is a blend of gauge networks and a radar-derived rain field, checked against reanalysis for the same hours. Rain gauges are accurate at a point and wrong a few kilometres away; radar sees the field but drifts with the height of the beam. Using both is why the policy can name a cell and stand behind the number.
For events, the prevention alert goes out when the 36-hour forecast gives a cell at least a 40 % chance of crossing Tier 1. Organisers who postpone with that notice keep the policy: the policy pays on the rain recorded in the cell, whether or not your event went ahead, which is why the notice is useful rather than risky.
(05) Coverages