Vortex Weather Insurance
Vortex Weather Insurance is a U.S. parametric weather insurance agency that sells rain, hail, snow, hurricane, and temperature policies whose payouts trigger automatically on independent weather data, serving outdoor events, golf tournaments, car dealerships, and coastal businesses across all 50 states.
- Company typePrivate
- Founded2008
- HeadquartersOverland Park, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Vortex Weather Insurance does
Vortex Weather Insurance, operating as Vortex Insurance Agency, LLC, is a U.S. parametric weather insurance agency founded in 2008 and headquartered in Overland Park, Kansas. The company designs and distributes insurance policies whose payouts are triggered automatically when predefined weather conditions are met, using measurements from independent third-party data sources including NOAA/National Weather Service, WeatherWorks, Speedwell Settlement Services, and Understory (for ground-level hail sensing). This parametric structure eliminates claims adjusters, proof-of-loss documentation, and deductibles for the policyholder. Insurance is underwritten by Mitsui Sumitomo Insurance USA Inc., a member of MS&AD Insurance Group, which grants Vortex admitted-carrier status and licensure in all 50 U.S. states.
The product portfolio spans rain, supplemental hurricane, snow, hail (HailSafe and Auto-HailSafe), and temperature coverage, with vertical-specific offerings for outdoor events, golf tournaments, fairs and festivals, concerts, charity fundraisers, sports events, car dealerships, solar farms, commercial roofs, and coastal businesses. Vortex generates revenue from insurance premiums (paid by businesses, event organizers, and organizations), with pricing based on historical weather probability, geography, time of day, and time of year. Distribution runs through three channels: a 24/7 self-serve online portal for instant quotes, a direct sales team for custom multi-peril policies, and a broker/producer network, supported by strategic GTM relationships with the Florida PGA, Carolinas PGA, DICK'S Sporting Goods Open, and Venture Programs. Since 2017 the company has handled 10,000+ unique weather transactions and paid $3.125M+ in claims, with the March 2026 HailSafe direct-access launch marking a significant step from third-party-only to direct-to-business distribution for hail coverage.
Vortex Weather Insurance firmographics
Firmographics- Name
- Vortex Weather Insurance
- Legal name
- Vortex Insurance Agency, LLC
- Website
- https://vortexinsurance.com
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Vortex Weather Insurance is a U.S. parametric weather insurance agency that sells rain, hail, snow, hurricane, and temperature policies whose payouts trigger automatically on independent weather data, serving outdoor events, golf tournaments, car dealerships, and coastal businesses across all 50 states.
- Ownership category
- akta.pro rank
Vortex Weather Insurance industry classification
Industry- Product category
- Parametric Weather Insurance
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Property and Casualty Insurance Carriers (524126)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Event Cancellation & Contingency (FSAJAGAN)
Keywords
Where Vortex Weather Insurance is headquartered
LocationHeadquarters
- HQ city
- Overland Park
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Vortex Weather Insurance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Others
Revenue model
- Parametric Weather Insurance Premiums: Vortex earns revenue through insurance premiums paid by businesses, events, and organizations seeking protection against adverse weather. Premiums are determined using historical weather data, probability of occurrence, geography, time of day, and time of year. Payouts are triggered automatically when predefined weather thresholds are met, with no additional documentation required.
- Supplemental Hurricane Insurance Premiums: 12-month supplemental hurricane insurance policies for Gulf and Atlantic coastal businesses, with coverage triggers based on storm category and proximity (30-mile radius for any category, 60-mile radius for Category 3+). Premiums are based on historical hurricane data and risk assessment.
- Commercial Snow Insurance Premiums: Seasonal snow insurance policies covering excess snowfall, lack of snowfall, snow-event frequency, or single-day heavy snow events. Policies can run for a season or be customized for specific periods, generating premiums based on historical snowfall data and business-specific risk thresholds.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Custom event rain insurance policies priced based on location-specific historical rainfall data and event parameters. |
| Usage-based | Multi-year contract | Supplemental hurricane insurance with 12-month policy duration for coastal businesses. |
| Usage-based | Multi-year contract | Customizable commercial snow insurance with seasonal or event-specific coverage options. |
| Usage-based | Pay-as-you-go | Auto-HailSafe parametric hail insurance for car dealerships with three coverage tiers. |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels9 records
Vortex Weather Insurance product offering
Product offeringCore offering
Vortex Weather Insurance sells parametric weather insurance policies that automatically pay out when predefined weather thresholds (rainfall amount, hail size, snowfall, hurricane category and proximity, or temperature extremes) are met, using measurements from independent third-party sources such as NOAA/National Weather Service, WeatherWorks, Speedwell Settlement Services, and Understory sensors. Coverage is offered for rain, hail, snow, supplemental hurricane, and temperature risks, with policies customizable by location, time window, threshold, and payout limit, and distributed via a self-serve online portal, direct sales, and broker/producer partners.
Product overview
Vortex Weather Insurance offers a parametric weather insurance platform with multiple distinct products. The core offerings include Rain Insurance, Supplemental Hurricane Insurance, Snow Insurance, and HailSafe (including Auto-HailSafe for car dealerships). These are supplemented by event-specific modules for Golf Events, Fairs & Festivals, Sports Events, Outdoor Concerts, and Charity Events. Temperature Insurance provides coverage against extreme temperatures. All products share a parametric model—policies trigger based on objective weather measurements from independent third-party sources (NOAA, WeatherWorks, Speedwell Settlement Services) with no claims forms, damage inspections, or deductibles required. The company operates through its Vortex Portal platform for quote and policy management, with additional broker/producer access available.
Differentiator
Problem solved
Functional benefit
Brands
- HailSafe: Parametric hail insurance product offering fast, predictable payouts when recorded hail strikes a covered location, with no claim adjustment, damage inspection, or deductible. Targets diverse weather-exposed operations including open car lots, solar farms, commercial roofs, and agricultural operations.
- RainSure
- Auto-HailSafe
Products and services
- Parametric Rain Insurance Parametric rain insurance that protects outdoor events (golf tournaments, fairs, festivals, concerts, sports, charity fundraisers) and weather-exposed businesses from revenue loss when measurable rainfall at a specific location exceeds a predefined threshold during a defined time window. Payouts are automatic with no claim form, damage proof, or adjuster visit required, and are typically mailed within two weeks.
- RainSure RainSure is a newer rain insurance offering positioned alongside core rain insurance, providing supplemental parametric coverage for weather-exposed businesses and events based on measurable rainfall thresholds.
- Supplemental Hurricane Insurance Parametric hurricane insurance for coastal businesses that bridges the gap between traditional hurricane coverage and the total of deductible plus revenue losses. Policies trigger if any category storm enters a 30-mile radius of the insured location, or a Category 3+ hurricane enters a 60-mile radius, with payouts that scale with storm intensity and proximity — no damage proof or adjuster required.
- Parametric Snow Insurance Parametric snow insurance covering excess snowfall accumulation (per-inch payouts above threshold), lack of snowfall (per-inch payouts below threshold), snow-event frequency, and single-day or holiday-specific heavy snow events, with policies tailored to the insured's location and thresholds.
- HailSafe Parametric Hail Insurance Parametric hail insurance delivering fast, predictable payouts (typically within about a week) when recorded hail strikes a covered location, with no claim adjustment, damage inspection, or deductible. Standard policies trigger on hailstones as small as 1.0 inches in diameter and target brokers and weather-exposed businesses such as solar farms, commercial roofs, and agricultural operations.
- Auto-HailSafe for Car Dealerships Parametric hail insurance specifically designed for car dealerships, using Understory's ground-level sensors to verify hail strikes and trigger automatic claim settlements of 1-2 weeks with zero deductible across three coverage tiers covering vehicle damage, roof damage, property loss, and revenue loss.
- Temperature Insurance Parametric insurance against excessive heat or cold that disrupts business operations, events, or revenue, layered into Vortex's broader weather insurance product suite for weather-exposed businesses.
Quantifiable outcome
- Payouts typically mailed within two weeks for rain and snow insurance claims
- +4 more outcomes
Companies that use Vortex Weather Insurance
Customer profileNamed customers12 records
Segments7 records
Ideal customer profiles5 records
Vortex Weather Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature5 records
Vortex Weather Insurance partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core.
- Venture ProgramscoreVenture Programs selected Vortex Weather Insurance as a partner to provide parametric rain and hurricane insurance to private golf clubs nationwide. This partnership extends Vortex's reach into the private golf club market through Venture Programs' existing relationships.
- DICK'S Sporting Goods OpencoreVortex provides rain insurance for the DICK'S Sporting Goods Open, a PGA TOUR Champions event. Vortex is also a sponsor of the event, demonstrating long-term partnership commitment.
- Florida PGA SectioncoreVortex Weather Insurance partnered with the Florida PGA Sections to provide weather insurance for golf events and tournaments in Florida, one of the largest PGA sections in the country.
- WeatherWorkscoreWeatherWorks is the default independent third-party provider for measuring rainfall data for Vortex rain insurance policies. Their measurements are used to determine when policy triggers are met.
- Speedwell Settlement ServicescoreSpeedwell Settlement Services is the default independent data provider for Vortex supplemental hurricane insurance policies, providing storm track and measurement data.
- UnderstorycoreUnderstory provides innovative ground-level weather sensors used in the Auto-HailSafe product for car dealerships. Understory's detailed hail data enables automated, fast claim settlements without traditional adjusters.
- Carolinas PGA SectioncoreCarolinas PGA Section uses Vortex Weather Insurance as a partner for major fundraising golf events including PGA Championship REACH Pro-Am and PGA REACH Harvick4Heroes Pro-Am, protecting revenue for charitable causes.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Vortex Weather Insurance competitors and assessment
Company assessmentRegional players
- Kin Insurance: Kin Insurance is a data-driven, direct-to-consumer homeowners insurance carrier that uses weather and property data to price risk in catastrophe-prone states. While not strictly parametric, it targets the same weather-exposed SMB/residential niche and competes with Vortex's hail and hurricane products for some policyholders.
Emerging players
- Raincoat (Allianz X–backed): Raincoat provides parametric disaster insurance, originally focused on emerging markets and now expanding, using index-based triggers for floods, storms, and rainfall events. It overlaps with Vortex's parametric weather methodology but is an emerging player still scaling distribution.
Direct peers
- Descartes Underwriting: Descartes Underwriting provides parametric insurance for natural catastrophes including hurricanes, severe weather, and climate risks, using proprietary climate modeling and index-based triggers to deliver rapid payouts — directly comparable to Vortex's parametric hurricane and severe-weather products.
- Floodbase (formerly known as The Cat Bond Guy / FloodFlash): Floodbase (formerly FloodFlash) provides parametric flood and natural catastrophe insurance that triggers payouts based on measured water levels and rainfall indices. It shares Vortex's parametric, third-party data-triggered approach to weather risk, applied to property owners.
- Kettle: Kettle is a parametric reinsurer using ML and third-party weather data to underwrite climate risk for property and specialty lines, including wildfire, hurricane, and severe convective storms. It competes in the same parametric weather space as Vortex but with a reinsurance focus.
- Sensible Weather: Sensible Weather offers parametric weather insurance for travel and outdoor experiences, triggering payouts based on rainfall, heat, and other weather conditions. Like Vortex, it sells directly to event organizers, golf courses, and travelers with index-based, automated claims.
- Arbol: Arbol is a parametric weather risk marketplace connecting capital providers with weather-exposed end users. Like Vortex, it uses objective triggers (rainfall, temperature, snowfall) measured by third-party data to issue automated payouts, serving agriculture, energy, and event verticals.
Broad incumbents
- Swiss Re: Swiss Re is a top global reinsurer offering parametric and structured solutions across weather, natural catastrophe, and climate exposures through its Corporate Solutions and reinsurance divisions. It is a broad incumbent operating in the same parametric weather insurance category as Vortex.
- Munich Re: Munich Re is one of the world's largest reinsurers and operates a dedicated parametric weather/ESG solutions unit providing index-based covers to cedents and large commercial buyers. It competes broadly with Vortex's parametric weather products at the enterprise and capital-provider layer.
- AXA Climate: AXA Climate is the climate-focused insurance and adaptation unit of global insurer AXA, offering parametric weather covers to enterprises including renewable energy operators, agriculture, and event organizers — overlapping with Vortex's weather-triggered product line.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Vortex Weather Insurance social profiles
Digital presenceVortex Weather Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Vortex Weather Insurance leadership team
Management profileNumber of profiles
Vortex Weather Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Vortex Weather Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Vortex Weather Insurance
What does Vortex Weather Insurance do?
Vortex Weather Insurance sells parametric weather insurance policies that automatically pay out when predefined weather thresholds (rainfall amount, hail size, snowfall, hurricane category and proximity, or temperature extremes) are met, using measurements from independent third-party sources such as NOAA/National Weather Service, WeatherWorks, Speedwell Settlement Services, and Understory sensors. Coverage is offered for rain, hail, snow, supplemental hurricane, and temperature risks, with policies customizable by location, time window, threshold, and payout limit, and distributed via a self-serve online portal, direct sales, and broker/producer partners.
Is Vortex Weather Insurance a public or private company?
Vortex Weather Insurance is a private company. It is classified as venture growth investor backed and is currently operating.
When was Vortex Weather Insurance founded?
Vortex Weather Insurance was founded in 2008. It employs 11 to 50 people.
Where is Vortex Weather Insurance based?
Vortex Weather Insurance is headquartered in Overland Park, United States, in the North America region.
How does Vortex Weather Insurance make money?
Three revenue lines are on record. Parametric Weather Insurance Premiums are the primary driver. The others are supplemental Hurricane Insurance Premiums and commercial Snow Insurance Premiums.
Who are Vortex Weather Insurance's main competitors?
Kin Insurance is listed as a regional player. Raincoat (Allianz X–backed) is listed as an emerging player. Direct peers are Descartes Underwriting, Floodbase (formerly known as The Cat Bond Guy / FloodFlash), Kettle, Sensible Weather and Arbol. Broad incumbents are Swiss Re, Munich Re and AXA Climate.
Does Vortex Weather Insurance have an API?
No public API is recorded for Vortex Weather Insurance.
What industry is Vortex Weather Insurance in?
Vortex Weather Insurance's product category is Parametric Weather Insurance. Its primary akta.pro industry code is FSAJAGAN, Event Cancellation & Contingency. Its NAICS code is 524210 and its SIC code is 6411.