Blog
Severe Weather Preparedness for the Workplace: A Comprehensive Guide
When severe weather strikes—a tornado, hurricane, blizzard, or thunderstorm—businesses need to be ready to protect their most valuable resources: employees, clients, and critical assets. Proper preparedness efforts can help mitigate damage, minimize business downtime, and, most importantly, save lives. Below are key steps and strategies for implementing an effective severe weather preparedness plan in your workplace Understand Your Risks - Identify Common Regional Threats Every business faces unique weather risks based on its geographic location. [...]
When to Cancel an Event Due to Heavy Rain: Protecting Attendees, Participants, and Your Reputation
Rain can add charm and ambiance to certain events—but when it’s heavy and unrelenting, it becomes a very real safety threat. For organizers of outdoor gatherings like tractor pulls, rodeos, concerts, or county fairs, knowing when to cancel or postpone due to inclement weather is one of the toughest calls to make. However, safety should always be the top priority. In this post, we’ll explore the dangers of heavy rain, the specific risks it poses (such as electrocution), and [...]
Why You Need Three Quotes for Rain Insurance—and the Right Broker to Get Them
When it comes to safeguarding your outdoor event from the financial blow of heavy rain, rain insurance can be a critical tool. However, not all policies—or insurers—are created equal. From varying price points and purchase deadlines to different rainfall measurement methods, there are many factors to consider when buying coverage. Below, we’ll break down why it’s essential to ask your broker for three quotes, explain the impact of deadlines and measurement options, and highlight why working with a knowledgeable [...]
Benefits of Rain Insurance for Music Festivals
Why Rain Insurance is a Smart Investment for Music Festivals For organizers of music festivals, weather is one of the most unpredictable and potentially costly factors. Even a light drizzle can deter attendees from showing up, while heavier rainfall can lead to significant losses in ticket sales, on-site spending, and overall festival experience. This is where rain insurance comes into play—a strategic safety net that can protect your festival’s bottom line. The Impact of Rain on Attendance When rain [...]
How to Protect Your Outdoor Event from Weather
Organizing an outdoor event such as a fair, festival, or concert can be exciting and profitable—but it also comes with unique challenges. Weather is one of the biggest wild cards, with the potential to cause substantial financial losses, property damage, and even bodily harm to attendees. Below, we explore strategies and best practices to help you safeguard your event from unpredictable weather while ensuring a smooth, enjoyable experience for everyone involved. Conduct a Thorough Risk Assessment Identify [...]
What Type of Rain Insurance Do I Need for My Event?
Outdoor events like motorsports, golf tournaments, fairs, festivals, and concerts are highly susceptible to weather risks, especially rain. While you can’t control the weather, you can mitigate financial losses through rain insurance. However, not all rain insurance policies are created equal. Depending on your event’s structure and revenue streams, you may require a specific type of rain coverage. Below, we compare and contrast four primary types of rain insurance to help you determine which policy best fits your needs. [...]
One Call, Three Quotes – The Spectrum Weather Insurance Advantage
At Spectrum Weather Insurance, we understand the necessity of protecting your events and business operations against adverse weather conditions. Obtaining the right weather or rain insurance is crucial. With Spectrum Weather Insurance, we leverage our extensive network of carriers to provide the best available quotes, ensuring transparency and customer empowerment. Spectrum Weather Insurance provides access to more weather and cancellation insurance markets than any other brokerage. We typically obtain quotes from at least three different carriers. Unlike many competitors [...]
The Ultimate 5.0 Experience with Spectrum Weather Insurance
The Power of User Reviews: The Ultimate 5.0 Experience with Spectrum Weather Insurance In today’s digital landscape, online reviews have become essential for businesses, especially those catering to outdoor activities such as fairs, festivals, amphitheaters, golf tournaments, and even snow removal. Choosing the right service provider for event organizers is crucial, and user reviews offer invaluable insights to ensure a successful event. This is where the power of a perfect rating comes into play. Achieving a flawless 5.0 rating [...]
Protecting Your Golf Tournament: The Dual Benefits of Combining Adverse Weather and Rain Insurance Coverage
Golf tournaments, whether for charity, professional play or community fun, are events that hinge heavily on the whims of the weather. Organizers know all too well that an unexpected turn in weather can lead to a myriad of issues, from disappointed players and guests to significant financial losses. This is where the combination of adverse weather insurance and rain insurance coverage comes into play, offering a more comprehensive shield against the unpredictable nature of the weather than rain insurance [...]
Robert Holmes Presented With Associate of the Year Award at Wisconsin Association of Fairs Convention
Last month, Spectrum president, Robert Holmes, was honored with the Associate of the Year Award at the Wisconsin Association of Fairs (WAF) annual convention. This award recognizes a Wisconsin Association of Fairs associate member who has and continues to contribute to the success of the Fair industry in Wisconsin. We are thrilled to have Spectrum’s devotion to the fair industry recognized with this award. Through years of working with clients in the fair industry, we have learned about their [...]
Robert Holmes Honored With IAFE Associate of the Year Award
In November, Spectrum president, Robert Holmes, attended the International Association of Fairs and Expositions (IAFE) Convention and Trade Show in Salt Lake City, where he was honored to receive the 2023 IAFE Associate of the Year award. "Robert has been a very active associate member of the IAFE, serving on committees, attending events, and serving as a sponsor,” said Marla Calico, CFE, President and CEO of the IAFE. The IAFE Associate of the Year award is to recognize an outstanding [...]
The Case Against Using Gridded Rainfall Data for Rain Insurance
Rain insurance is purchased to help protect the insured against rainfall at their event. The expectation is that the policy will pay out a claim when the rain threshold is met (e.g. 0.5" of rain is recorded at the event.) To measure rainfall, most insurance providers allow the policyholder to choose between an on-site observer, data from the nearest National Weather Service location (typically an airport), or third-party data such as doppler radar data. However, one option on the [...]
Do I Need an Attendance Policy for Minors?
Attendance policies for those under the age of 18 are becoming increasingly necessary as venues grapple with fights and other malicious activities during events. Earlier this spring, the Frisco Fair in Texas was canceled when the city revoked the fair’s special use permit due to safety concerns, which stemmed from a large group of unaccompanied minors. Authorities said they received multiple calls reporting disruptive behavior, arguments, fights and gunshots. This is just one of many occurrences that have event [...]
Buying Local: You Can’t Always Get What You Want
It makes sense that an event organizer would want a local insurance agent to procure their weather-based insurance. Local agencies are usually owned by people who live in the community, so they are more invested in its success. Local agencies also tend to reinvest some of their profits back in the local economy. Additionally, it’s nice being able to work with someone you can meet in person to go over any questions or concerns. With so many reasons to [...]
The 3 Pillars of Trust
By Robert Holmes, President, Spectrum Weather Insurance I recently attended a luncheon where the speaker discussed trust, specifically trust in a business setting with a focus on hiring employees and developing relationships with clients and other stakeholders. The speaker broke the process of building and developing trust into three essential components: competency, problem solving and caring for others. This led me to think about how I, and in a greater sense, Spectrum Weather Insurance, embraces, practices and continues to [...]
