Who insures it · 5 named markets · read 2026-10-28

Who insures Weather and parametric?

Weather and parametric is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

5 markets publicly write Weather and parametric: Descartes Underwriting, Arbol, Vortex Weather Insurance, FloodFlash, Swiss Re Corporate Solutions. 3 MGAs, 1 lloyd's coverholder, 1 admitted carrier. 1 on admitted paper.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
Descartes Underwriting MGA	Parametric hurricane insurance for North America (also drought, earthquake, tornado, excessive rain, wildfire, flood and hail) for real estate portfolios, hospitality and tourism, construction, energy and renewables, and public sector entities, written on A+ (re)insurer paper; homepage describes a global MGA designing parametric products. “Parametric Hurricane Insurance for North America”	not stated (North America)	not stated	descartesunderwriting.com · read 2026-10-28
Arbol MGA	Parametric products responding to rainfall, temperature or yield triggers for US farms and agribusinesses, structured as insurance or derivatives depending on licensing, through Arbol Insurance Services, a licensed general agent; options for brokers, MGAs, reinsurers and direct clients. “Arbol offers parametric products linked to weather and yield data.”	not stated (across the U.S.)	not stated	arbol.io · read 2026-10-28
Vortex Weather Insurance MGA	Parametric rain, hail, snow and temperature insurance plus supplemental hurricane cover for events (golf, fairs and festivals, sports, outdoor concerts) and businesses; underwritten by Mitsui Sumitomo Insurance USA Inc., an admitted carrier; licensed in all 50 states, hurricane cover in Gulf and Atlantic coastal states. “Weather insurance helps protect you and your event or business from adverse weather conditions.”	all 50 states	Admitted	vortexinsurance.com · read 2026-10-28
FloodFlash Lloyd's coverholder	Parametric (sensor-triggered) commercial flood insurance for US businesses, public entities and residential properties at higher risk of flooding; coverholder at Lloyd's of London since launch. “Perfect for businesses, public entities, and residential properties at higher risk of flooding.”	not stated (organisations across the US)	not stated	floodflash.co · read 2026-10-28
Swiss Re Corporate Solutions Admitted carrier	Custom-designed parametric insurance (FLOW water-level, QUAKE earthquake, STORM tropical cyclone, FLOOD, HAIL) for businesses; a separate Weather Solutions page offers weather risk solutions for energy providers, growers, construction and ski resorts; US availability not stated on the page, though a Head Parametric Nat Cat NA contact is listed. “We tailor parametric solutions to your unique risks”	not stated	not stated	corporatesolutions.swissre.com · read 2026-10-28

WeatherPromise states it is a weather guarantee, not insurance, for travelers (excluded). Kettle's page is wildfire reinsurance/E&S property with no parametric or weather wording (excluded). Raincoat describes itself as an operating system for insurance with no US appetite statement (excluded). Jumpstart DNS failed; Spectrum Weather refused connection; Munich Re, Sompo and Global Parametrics were rate-limited and not retried; Nephila's site is an ILS investment manager page.

How Weather and parametric gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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