Less work.
The same fixed costs.
Per-event contractors and winter attractions can lose revenue in a quiet season.
The same winter. Two different risks.
Revenue can fall when snow stays away. Costs can rise when it keeps coming.
Start with the direction
Which side of winter affects you?
Less work.
More clearing.
A stretched budget.
Property owners can face removal costs that exceed their seasonal plan.
Seasonal protection example
When a quiet winter reduces billable work.
A snow-removal company explores a contract tied to snowfall at a named station. Adjust the seasonal total to see how the payment changes.
How the protection would work
0 inches60 inches
Payment starts below 30 inches · November 1–March 31
Build around your billing model.
Compare snowfall totals, billable events and service revenue across past winters. Use the contractor’s billing model to choose the measurement, strike and payment scale.
Read the business scenario
A large regional snow-removal company plows and salts commercial properties across a metro area, billing most of its winter work per event.
Pelorus would compare service revenue with snowfall history at nearby stations, then structure a contract that pays a set amount for each inch below an agreed strike, up to a limit.
In a low-snow winter, the contract pays according to the snowfall shortfall, helping support fleet, equipment and staffing costs through a quieter season.
The measurement matters
Inches or events? Start with your revenue.
- Total seasonal snowfall at a named station
- Snowfall from a single storm or day
- Days with snowfall above a set depth
Explore a parametric insurance policy or a financial contract built around this measurement.
How the structure is chosenWho it’s for
Where this becomes relevant.
Snow-removal contractors
Revenue depends on billable snow events, while trucks, equipment and seasonal staff cost the same in a light winter.
Explore the industry perspectiveSki areas and winter resorts
A thin snow year shortens the season and cuts lift, lodging and rental revenue.
Property owners and managers
A heavy winter can overrun the budget for plowing, salting and roof clearing across a portfolio.
Ice-melt and winter-goods distributors
A light winter leaves salt, ice melt and snow equipment unsold while warehouse and inventory costs continue.
Before we talk
A few useful answers.
Can a contract pay in a winter with too little snow?
Yes. A policy or financial contract can pay when seasonal snowfall comes in below an agreed level. We use your revenue history and winter costs to compare payment triggers and limits.
Can a property owner protect against a heavy winter?
Yes. A policy or contract can pay when snowfall passes a level that would push removal costs past budget. We start from your past snow-removal invoices and the snowfall records for a nearby station.
Your next step
Start with your exposure.
Bring us the question. We’ll help you understand the exposure and the options available.
Prefer email? Contact our teamUseful for a first conversation
- Your business locations and risk period
- Revenue, costs and weather-related interruptions
- Existing insurance and relevant weather records
You don’t need everything ready to get in touch.