Protection that responds to the event.
When an insurable interest and an insurance form are the right fit, parametric coverage can complement a conventional program with an objective trigger and a predefined payout.
Discuss an insurance structure ↗Weather-linked risk design
When weather changes the outcome, make the response clearer.
Pelorus designs parametric insurance and weather-linked risk solutions for the financial exposures conventional coverage can leave behind.
Pelorus / risk register
No. 01 / 2026
01
Measure what moves
before the weather arrives.
INDEX
SETTLEMENT
The gap
Weather can interrupt the business long before it damages the building.
A bridge closes. A port pauses. Guests stay home. A storm misses the roof but not the revenue line. Pelorus helps put a measurable structure around those moments, so the financial response is agreed before the event and easier to act on after it.
The instrument
01IndexWhat is measured
02StrikeWhen protection begins
03PayoutHow the response scales
04LimitWhat the exposure needs
Two ways to make weather legible
The right structure depends on the exposure, not the label.
We work across insurance and financial-market structures to find a practical way to transfer weather risk, with the trigger and the cash flow designed around the business.
A hedge for the part the policy cannot see.
For eligible counterparties and exposures, weather derivatives can be structured around a defined index to hedge revenue, cost, or volume against weather variability.
Discuss a weather-linked hedge ↗?
The practical question
What does the weather interrupt?
Revenue. Access. Scheduled work. Utilization. Cleanup cost. We start with the line that moves, then work backward to the index that best explains it.
- WindIntensity / footprint / access
- RainAccumulation / interruption / delay
- SnowSeasonal cost / event severity
- TemperatureDemand / operations / volume
- Storm surgeWater level / access / closure
Where weather shows up in the numbers
Built for businesses that feel weather in the income statement.
01Coastal & marineWind, surge, access, and infrastructure exposure.
02Hospitality & eventsOccupancy, attendance, and disruption-sensitive revenue.
03Municipal & public assetsContinuity, emergency costs, and special exposures.
04Real assets & parkingAccess-dependent income and portfolio-level volatility.
05Construction & servicesWeather delays, demand shifts, and operational volume.
06Agriculture & energyProduction, demand, and cost exposures tied to conditions.
The work
Simple on the page. Exact in the details.
A useful weather structure should be easy to explain in a meeting and hard to misunderstand when the event arrives.
- 01
Identify the exposure
Find the revenue, cost, or operational line that moves with the weather.
- 02
Define the trigger
Choose a measurable index, settlement source, strike, payout shape, and limit.
- 03
Put capital where it matters
Bring the structure to the right insurance or market counterparty and document the terms clearly.
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