Vortex Weather Insurance

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.

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

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 industry

PRIMARYFSAJAGAN

Event Cancellation & Contingency

Financial & Insurance/Insurance — Motor, Property & Casualty/Specialty & Excess/Surplus Lines (E&S)

Keywords

• Parametric weather insurance
• Rain insurance policies
• Hail damage coverage
• Hurricane supplemental insurance
• Event weather insurance

Headquarters

HQ city

Overland Park

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Others

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion4 records

Distribution channels5 records

Marketing channels9 records

Core 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

Named customers12 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core.

• Venture ProgramscoreGTM or Marketing Partner · 1 February 2024Venture 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 OpencoreGTM or Marketing Partner · 1 August 2022Vortex 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 SectioncoreGTM or Marketing Partner · 22 December 2020Vortex 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.
• WeatherWorkscoreTechnology or IntegrationWeatherWorks 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 ServicescoreTechnology or IntegrationSpeedwell Settlement Services is the default independent data provider for Vortex supplemental hurricane insurance policies, providing storm track and measurement data.
• UnderstorycoreTechnology or IntegrationUnderstory 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 SectioncoreGTM or Marketing PartnerCarolinas 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

Regional 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

• Xx.com/weather_ins
• YouTubeyoutube.com/channel/UCxxNfjrpYOC7AFi75EBeg_w
• Facebookfacebook.com/VortexWeatherInsurance
• LinkedInlinkedin.com/company/vortex-weather-insurance

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Vortex Weather Insurance