# Vortex Weather Insurance > Parametric weather insurance for businesses and events \-\- trigger\-based coverage with no proof of loss required\. ## At a glance | Field | Value | | --- | --- | | Category | Specialty Solutions | | Type | Solutions Provider | | Region | NA | | Headquarters | Overland Park, Kansas, USA | | Founded | 2008 | | Stage | Established | | Employees | 1-10 | | Funding | Bootstrapped | ## Overview Vortex Weather Insurance is a parametric weather insurance specialist for businesses and outdoor events in the P&C specialty lines market. Operating as Vortex Insurance Agency, LLC, the company distributes trigger-based weather coverage that pays out automatically when a pre-agreed weather threshold is met, without requiring proof of loss, claims adjusters, or deductibles. The company offers six product lines -- rain, hail, snow, temperature, and supplemental hurricane coverage -- through an online portal and via commercial P&C brokers. All policies are underwritten exclusively by Mitsui Sumitomo Insurance USA, Inc., an AM Best A+ (Superior)-rated admitted carrier across all 50 U.S. states. Weather measurements are sourced from independent, location-specific data providers rather than airport-based stations. Since 2017, Vortex has processed over 10,000 unique weather transactions and paid out more than USD 3.1 million in claims. The company expanded its product access in 2025 and 2026, launching direct-purchase options for snow, hail, and supplemental hurricane products previously available only through brokers. ## Products & services ### Rain Insurance Traditional parametric rain coverage for outdoor events and businesses. Policies pay a fixed amount when rainfall at a specified location meets or exceeds a chosen threshold. Claims typically process within two weeks. **Key features:** - Threshold\-based payout triggered by measured rainfall at the covered location - No proof of loss or claims adjuster required - Two\-week typical claims processing time *Target users:* Golf tournaments, music festivals, fairs, outdoor theaters, charity events, motorsports events ### RainSure A graduated parametric rain product that provides incremental payouts for each 0.01 inch of rainfall up to a selected threshold. Launched August 2025. **Key features:** - Escalating payouts from the first 0\.01 inch of rain up to thresholds of 0\.25, 0\.5, or 1 inch - Rainfall measured by WeatherWorks, an independent third\-party provider with 20\+ years of experience - Designed for events where any rain level correlates with financial loss *Target users:* Outdoor event organizers, outdoor venues ### HailSafe A 12-month parametric hail insurance policy for commercial property owners and businesses with rooftop or outdoor assets. Direct purchase launched March 2026. **Key features:** - Triggers at hail sizes of 1\.0 inch or larger - Payouts scale from 10% to 100% of insured limits based on recorded hail size \(1\.25 to 2\+ inches\) - Uses radar, National Weather Service data, storm reports, and meteorologist expertise - Payouts typically issued within one week of a qualifying event *Target users:* Commercial property owners, open car lots, solar farms, agricultural operations ### Supplemental Hurricane Insurance Annual parametric policies for coastal businesses exposed to hurricane risk, covering all categories 1-5. Coverage expanded to all hurricane categories in March 2025. **Key features:** - Triggers when a storm crosses within 30 miles of the insured location, or a Category 3\+ storm within 60 miles - Up to USD 1 million in coverage available online; higher limits through agents - Multiple payouts possible in a single season - Payouts within 30 days of a triggering event; policies effective 30 days after purchase *Target users:* Businesses along the Gulf and Atlantic coasts ### Snow Insurance Parametric coverage for seasonal businesses affected by snowfall. Available for direct purchase since September 2025. **Key features:** - Trigger\-based payout based on measured snowfall at covered location - Available direct or through brokers *Target users:* Ski resorts, winter attractions, snow\-removal services ### Temperature Insurance Parametric coverage for businesses whose revenue is correlated with temperature conditions. *Target users:* Seasonal businesses, energy companies, agriculture\-related businesses ### Vortex Portal An online platform for quoting, binding, and managing weather insurance policies. **Key features:** - Direct purchase for HailSafe, snow, and supplemental hurricane products - Broker access for full product suite - Online quote\-to\-bind workflow *Target users:* Brokers, direct business customers ## Category & focus - Subcategories: Parametric Insurance, Weather Risk - Insurance verticals: Specialty/E&S, P&C Commercial - Target customers: Brokers, Consumers, Agents/Agencies ## Notable customers - Golf tournament operators and golf courses \(including PGA events\) - Music festivals, state fairs, outdoor concerts, haunted attractions, motorsports events - Commercial property owners, open car lots, solar farms, agricultural operations - Ski resorts, winter attractions, snow\-removal services - Coastal businesses along the Gulf and Atlantic coasts - Commercial P&C brokers distributing weather risk solutions ## Links - Website: - Directory profile: - Team: - Portal: - Linkedin: - News \(snow expansion, september 2025\): - Press release \(rainsure, august 2025\): - Press release \(hailsafe direct, march 2026\): - Press release \(hurricane expansion, march 2025\): --- *Last updated: 2026\-05\-11*