Contingency Insurance

Insure situations you never knew were insurable

What scenarios keep your clients awake at night? We may be able to alleviate this stress with insurance

We strive to source tailored solutions for risks that are not covered by traditional policies. No matter what the issue is, or how strange the request is, we will endeavour to find a way to transfer the financial risk to the insurance markets.

We work with clients to understand their issues, then collaborate with insurers to provide innovative solutions

Remember – no request is too strange. Whatever keeps you awake at night, we strive to find a workable solution to transfer the risk from your balance sheet.

Standard Risks include:

Event Cancellation:

Protects the Costs and Expenses or Gross Revenue (costs and expenses plus profit) should an event be unable to go ahead as a result of a cause beyond the control of the Insured or the participants.  If an event relies upon a named person or persons performing or speaking at the event, Non-Appearance coverage protects either the expenditure or revenue should named persons be unable to attend

Event Liability

Public Liability is often a requirement to allow the event to proceed and provides cover in case of claims against the organisers.  Employers Liability is also available

Contract Bonus / Sponsorship

Contractual bonus insurance covers a sponsor, brand, a club/franchise or event organiser for their contractually-assumed liability to award performance bonuses to individual sports stars or teams. When specified targets are achieved, the insurance removes the financial liability from the balance sheet.

Prize Indemnity

Prize Indemnity Insurance helps to reduce volatility in your balance sheet when a large prize is offered. As well as insurance, we work with insurers to assess whether the prize is too easy or hard to win, the prize values that can be offered within your budget and also with our partners advising on prize security, an often overlooked aspect. Examples are:

Hole in one, Crossbar challenge, Half-court basketball shots, Lotteries, Safe crack games, Envelope picks, Birthday wheel, Dice roll, Lotteries, Pick and Win, Scratch cards, Game shows, Web-based gaming.


Over-Redemption and Fixed Fee Insurance protects against the financial risk of campaigns redeeming at a greater level than anticipated.

Weather Risks

The weather can make or break your day, your project or your season. Weather insurance is there to protect your balance sheet. Every client has different scenarios and timeframes: every Weather Risk is different, we will provide a completely bespoke, handcrafted policy that affords the right level of protection for you.

Nearly every business will have exposure to the extremes of weather.  Weather risk insurance can provide the following solutions:

Income Stabilisation – for when adverse weather impacts revenues

Retail figures, for example, can be hit by balmy autumn preventing sales of winter clothing. Or footfall to a theme park could be affected by two weeks of heavy rain during the peak visitor season.

Income stabilization insurance is designed to mitigate the impact of adverse weather on revenues, protecting your balance sheet and providing certainty to the uncertain.


Example: A theme park in Southern Europe

Seasonal Revenue: EUR 2,000,000

Exposure: A theme park expects to make the bulk of its revenue during July and August, their peak tourism season. Any unforeseen interruption during this period would have a huge negative impact on their budgeted revenues and financial stability.

Outcome: Coverage provided to protect the delta between budgeted revenues and actual revenue in the event of a shortfall due to adverse weather.


Cost containment and Extra Expense – when adverse weather increases budgets

When an adverse weather situation demands you invest more money to carry out your plans.

For example, the costs of a movie producer needing to re-do a location shoot. Or the additional costs of keeping an airport open in snowy conditions.

We will work with you to assess what your project would cost to keep going or reschedule as a result of adverse weather.


Example: An International Airport

Budget Expense: GBP 1,000,000

The airport would budget GBP 1,000,000 each winter to keep the runways free of ice and snow. The budget would be there to cover the cost of using snow and ice clearing equipment and materials.

Outcome: Coverage provided to cover the additional budget needed to keep using snow and ice clearing equipment and materials should there be a prolonged spell of cold winter weather.


Premiums and coverage are built on three key factors:

Claim triggers and duration of the event

We work with you and the insurer to set concrete, data-driven policy triggers. For example, what counts as a rainy day to you?


Helping you assess the potential financial effects the weather risk would have on your business.

Historical Weather Data

Once we are clear on ‘what adverse weather looks like’ and the impact it will have to the business, we’ll provide a price for your protection based on the historical likelihood of such an event happening.

Event Protect and Refund Protect

For event organisers and their customers respectively.

Event Protect is a light cost neutral option for event cancellation allowing the insured protect their booking revenue should an event be cancelled.  The cost is passed to customers as part of the booking price.  In the event of a cancellation the refunds are handled by the provider

Refund Protect allows the organiser to provide refundable bookings and to generate additional revenue

Products have applications across the commercial world for events, hotel bookings airlines etc.

In addition to the above we can offer Loss of Attraction, Terrorism and Political Violence, Deadly Weapons Protection, Death Disablement and Disgrace and much more.

For further information contact:

Yvonne Marriott