Construction & Civil Contractors
Rain, high wind and extreme heat halt physical work without any property damage occurring — which means standard contract-works insurance typically doesn't respond, and site delays become a cost no one else is covering. A weather-day trigger pays a fixed amount per delay-day your site is stopped, with no dispute over whose fault the delay was.
Weather Doesn't Wait for a Loss Assessor.
Neither Should You.
Your Shield Against the Elements.
01 - We define your trigger together
Working with you, we identify the specific weather condition that actually costs your business money — rainfall over a set amount in 24 hours, a wind speed above your safe operating threshold, a temperature above a heat threshold, a snow depth below a seasonal benchmark.
Your trigger is measured against reliable third-party data — weather stations, satellite data, or official sources — not our own judgement and not yours.
If the data confirms your defined condition has occurred, your certificate is triggered.
There's no loss adjuster, no evidence of damage to submit, no argument about causation. The payout is a pre-agreed amount, paid directly to you.
04 - You're paid — no claim required
Cover the lost trading day, the delay penalty, the relocation cost, the refunds — the payout isn't restricted to a specific use.
05 - You decide how to use it
Whether it's rain that halts your job site, a heatwave that empties your dining room, or a storm that closes the freight corridor you rely on — CelsiusPro Business pays out automatically when the weather hits an agreed threshold.
No claims process. No loss adjuster. No waiting to find out if you're covered.
NSW's Drought Adaptation
Facing a 60% crop production drop in the 2018 drought, NSW farmers adopting Drought Weather Certificates managed to mitigate financial losses, investing in sustainable practices for future resilience.
NSW's Drought Adaptation
Facing a 60% crop production drop in the 2018 drought, NSW farmers adopting Drought Weather Certificates managed to mitigate financial losses, investing in sustainable practices for future resilience.
NSW's Drought Adaptation
Facing a 60% crop production drop in the 2018 drought, NSW farmers adopting Drought Weather Certificates managed to mitigate financial losses, investing in sustainable practices for future resilience.
NSW's Drought Adaptation
Facing a 60% crop production drop in the 2018 drought, NSW farmers adopting Drought Weather Certificates managed to mitigate financial losses, investing in sustainable practices for future resilience.
Introducing CelsiusPro for Business
For over 15 years, CelsiusPro has helped Australian farmers turn weather uncertainty into something they can plan around — with automatic payouts, not paperwork. CelsiusPro Business brings that same approach to Australian SMBs and corporates whose revenue, operations or cashflow are exposed to the weather, whatever industry you're in.
If a defined weather event happens — a rainfall threshold, a heatwave, a wind speed, a snow depth — your payout is triggered automatically, independently verified against trusted data, and paid directly into your account. No on-site assessment. No dispute about whose fault the delay was. No waiting weeks to find out where you stand.
Season-Proof Insurance.
For Every Australian Business.
From Weather Event to Payout
No Claims Process
Logistics, Freight & Supply Chain
Flood or storm closure of a key freight corridor forces costly detours, delivery penalties and spoiled cargo — and proving exactly which shipments were affected, and by how much, is its own slow process. A route-specific flood or rainfall trigger lets you pre-agree a payout for closure-related costs on the corridors you actually run.
Ski Resorts & Snow-Dependent Business
When most of your year's revenue is earned in a single season, a low-snow start doesn't just dent trade — it can define the year. A snow-depth or snowfall-day index, measured against a season benchmark, gives alpine-village operators a way to protect a season no one else can hedge for them.
Festivals & Large Outdoor Events
Extreme rain, flood or heat can force a cancellation or evacuation — and when thousands of ticket holders need refunding within days, "we'll assess your claim" isn't fast enough. A trigger-based payout funds refunds immediately, on the timeline your event actually needs.
Payout triggers the moment your weather condition is independently verified — no adjuster, no dispute over cause.
Most weather losses aren't physical damage — a cancelled shift, empty room, delayed load. We're built for that gap.
Built for the how your business actually loses money
Payouts land days to weeks after your trigger is confirmed, not months after a claim is lodged and investigated.
Fast enough to matter when it counts
Agree your trigger and payout amount once, matched to your risk — then it runs quietly in the background for you.
Weathering the Impact
Resilience and Renewal: Swift financial support through Parametric Insurance has empowered farmers across Australia to not just recover, but to thrive and innovate, turning challenges into opportunities for growth and resilience.
Victoria's Frost Response
VIC's 2019 frost affected 20% of vineyard yields, but those with Frost Protect Weather Certificates were able to recover losses, reinvesting in innovative frost management technologies.
South Australia's Flood Rebound
2016's heavy rains in SA led to significant crop losses, yet farmers with Rain Season Weather Certificates utilised payouts to enhance water management systems, achieving record yields in following seasons.
NSW's Drought Adaptation
Facing a 60% crop production drop in the 2018 drought, NSW farmers adopting Drought Weather Certificates managed to mitigate financial losses, investing in sustainable practices for future resilience.
Queensland's Cyclone Recovery
After Cyclone Debbie's AUD $1 billion impact on QLD farms, many turned to Cyclone Rapid Recovery Insurance, leading to quicker rebuilds and a stronger, more prepared agricultural community.
If a weather event triggers your policy, expect an automatic payout directly into your account in less than 20 days.
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Hear from Our Community
Understand the real impact of parametric insurance through the stories of those who've experienced it firsthand. Watch our community members share their journeys and see how our solutions are making a difference.