Outdoor shoots run on tight timelines and tighter budgets. A single weather delay can mean an expired location permit, a wasted crew day rate, or an equipment rental that runs longer than planned. Across the US, outdoor productions account for an estimated $50 billion in annual spend, and more than a million production days each year are exposed to weather risk.

Sensible Weather is now bringing its Weather Guarantee to this industry through a new offering with TCP Insurance Agency, a commercial entertainment and production insurance provider and member of Great American Insurance Group.

Production companies, cinematographers, and photographers can now add a Weather Guarantee in addition to coverage through TCP. If weather disrupts their scheduled shoot day, crews receive an automatic cash reimbursement. No claims process, no documentation, no paperwork. The guarantee is designed to work alongside TCP's existing production insurance products, adding a layer of protection specifically for weather-related schedule disruptions that traditional policies typically don't cover.

By combining our suite of commercial entertainment insurance products with Sensible's innovative Weather Guarantees, we're giving filmmakers, photographers and production companies an additional layer of financial confidence so they can stay focused on bringing their creative vision to life,

"By combining our suite of commercial entertainment insurance products with Sensible's innovative Weather Guarantees, we're giving filmmakers, photographers and production companies an additional layer of financial confidence so they can stay focused on bringing their creative vision to life," said Rich Gunn, Sales Director at TCP Insurance Agency. "For more than 50 years, TCP Insurance has focused on protecting creative professionals with tailored insurance solutions built around the realities of production. Our new offering with Sensible Weather allows us to expand that protection with an innovative solution designed specifically for one of the industry's most unpredictable risks. Together, we're helping filmmakers, photographers and production companies manage their productions with greater certainty and financial confidence."

"Creative teams shouldn't have to absorb the full financial impact when weather disrupts a shoot," said Nick Cavanaugh, PhD, CEO and founder of Sensible Weather. The partnership extends Sensible's automated reimbursement model into an industry where timing, crews, equipment, and locations all carry real costs.

This marks Sensible Weather's expansion beyond its core travel and hospitality footprint and into commercial protection for creative SMBs, following a year in which the company sold its one millionth Weather Guarantee, was named to Fast Company's Most Innovative Companies list, and was recognized on Condé Nast Traveler's Bright Ideas in Travel list.

Learn more about the launch in our full announcement, or reach out to our team to see how Weather Guarantees can protect your next production.

If your business or insurance company is looking to offer Weather Guarantees, connect with our team to learn more.