CelsiusPro manages technical assistance for national agricultural insurance scheme in Armenia
To address the risks related to climate change and adverse weather, private and public partnerships can fill the void of agricultural insurance. CelsiusPro’s consultancy services and expertise in technical assistance play an important role for the implementation of agricultural insurance in Armenia.
CelsiusPro’s products help to mitigate NatCat risks
The World Economic Forum (WEF) analyzed the most pressing global risks and declared extreme weather events to be the most serious peril in the global risk landscape. This – and the effects of climate change in general – presents insurers with great challenges. CelsiusPro offers products to insurers that help to mitigate these risks.
CelsiusPro as Technical Assistance Facility manager of the InsuResilience Investment Fund (IIF) attended recently a conference on index-based insurance organized by GIIF in Dakar. Watch our Katarina Baricova talk about IIF, index-based insurance and closing the protection gap.
Press Release
CelsiusPro launches new Crop Insurance Pricer for India
CelsiusPro introduces the new PMFBY Portfolio Pricer, a highly efficient pricing tool for the PMFBY insurance scheme in India. The PMFBY crop insurance scheme was initiated by Prime Minister Modi in 2016. The easy-to-use tool enables local insurers to consistently price any crop insurance for the PMFBY.
International Think Tank, Sustainable Finance Geneva, lists CelsiusPro in the publication: Financial Innovations for Global Challenges, as innovative solution provider for agriculture related climate risks. (P:23).
A review with case studies on Improving climate risk transfer and management for Climate-Smart Agriculture, one of them authored by CelsiusPro’s CEO.
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CelsiusPro and AON Benfield HAVE renewed their long-term partnership
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Inside Allstate`s mobile payments strategy
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CelsiusPro introduces parametric emergency cash insurance for natural disasters
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When the stars are aligned to improve the lives of poor African herders threatened by drought
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Drought conditions in Northern Kenya triggered significant payouts to more than 10,000 herders
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Press Release
New Season for the Kenya Livestock Insurance Program
CelsiusPro appointed by APA Insurance as technical advisor for the Kenya Livestock Insurance Program.
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Press Release
While drought affected farmers in the Northern floods severely impact Eastern South Africa.
Press Release
Climate change knows no boundaries and like ma immediate impacts of global weather volatility.
Press Release
CelsiusPro announces the sixth consecutive year of successful cooperation on the Frost Cover Program developed in 2010.
Handelszeitung
Geld statt Wunschwetter
Versicherer – Der Klimawandel fordert die Branche. Neue Policen und ein neues Rollenverständnis müssen her.
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Press Release
CelsiusPro launches Analytics Tool
Zurich-based weather risk management specialist CelsiusPro AG announces the launch of a new platform for climate analysis. This online tool allows to access big climate data globally, measured by satellites as well as ground weather stations.
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Press Release
World Bank Group and CelsiusPro Partner to Expand Access to Finance for Ukrainian Farmers by Innovative Agri Insurance Product
The World Bank Group and CelsiusPro AG have partnered to make agricultural insurance in Ukraine more affordable for smaller companies, expanding farmers’ access to financial services and helping boost agricultural productivity.
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Press Release
Launch of unprecedented Climate Insurance Fund aiming to improve the resilience of the world’s poor to extreme weather events
BlueOrchard, partnering with CelsiusPro, is proud to announce its appointment as Fund Manager of the Climate Insurance Fund (CIF) after a rigorous international tender process. The mandate marks yet another innovation milestone for the impact investing pioneer. The Climate Insurance Fund is an unprecedented thematic fund designed to reduce the vulnerability of micro, small and medium enterprises as well as low-income households to weather-related threats.
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Luxemburger Wort
Wenn der Regen ausbleibt, kommt das Geld vom Himmel
Eine Schweizer Firma versichert arme äthiopische Bauern gegen Dürre. Für fünf Dollar im Jahr, 6 000 machen bereits mit. Wie schafft man das in einem Land, in dem Versicherungen kaum bekannt sind?
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Press Release
CelsiusPro Australia wins Australian Insurance Industry Awards 2014 in Category Innovation
Weather risk management specialist CelsiusPro Pty Ltd has been awarded the Australian Insurance Industry Award for the category Innovation of the Year. Amongst other awards, the ANZIIF looks to recognize new products and companies in the market, which aim to bring change and innovation.
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Press Release
CelsiusPro nominated for Australian Insurance Innovation Awards 2014
CelsiusPro Pty Ltd has been shortlisted for an Australian and New Zealand Institute of Insurance and Finance (ANZIIF) Innovation Award for 2014. Amongst other awards, the ANZIIF looks to recognize new products and companies in the market, which aim to bring change and innovation.
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WRMA elects new board members
Members of the Weather Risk Management Association (WRMA) elected members of the Board and a roster of Association Officers at its 2014 Annual Meeting in Miami Beach, Florida held earlier this month.
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News
Drought Insurance for Ethiopian Farmers
The absence of rainfall during critical cropping times is one of the biggest risks to subsistence farmers in the Horn of Africa region. Droughts such as the 2011 East Africa Drought have threatened millions of livelihoods. In collaboration with the Ethiopian Ministry of Agriculture and the Japanese International Cooperation Agency (JICA), CelsiusPro designs and structures weather index insurance for smallholder farmers to pay out in the event of rainfall deficit.
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Swiss Derivatives
OTC Weather Derivatives
Despite impressive advances in technology, nobody can control the weather. We can predict the weather shortterm, but cannot prevent it from happening. This frustrates many CFOs and shareholders of companies whose bottom line is impacted by weather. Since investors are looking for stable returns, weather derivatives were introduced more than a decade ago as risk management products to reduce financial risk associated with adverse or unseasonal weather conditions.
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Press Release
Stefan Lippe and Jürg Haller join CelsiusPro AG Board
The board of CelsiusPro welcomes Stefan Lippe and Jürg Haller as new board members. Mark Rueegg, founder and CEO of the firm announces that he stepped back from his Chairman position which is now held by Stefan Lippe. Juerg Haller joins as non-executive board member. The two new board members have extensive leadership experience at the largest Swiss reinsurance company Swiss Re and the largest Swiss bank UBS.
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NZZ
50,000 Franken auf einen eisigen August
Ob zu feucht, zu trocken, zu heiss, zu kalt oder in den seltensten Fällen gerade richtig – das Wetter ist ein unverfängliches Thema für Gespräche mit Arbeitskollegen und Zugbekanntschaften. Für Unternehmen kann die falsche Wetterlage aber drastische Folgen haben.
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LandbrugsAdvisen
Planteavler forsikrer sig mod regn for 32.000 kr.
En katastrofal høst får landmand til at ’forsikre’sig mod regn.
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Bilanz
Freude am Regen
Die tiefen Temperaturen führen bei vielen Detailhändlern zu Umsatzeinbussen – ausser sie sind versichert.
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Sonntagszeitung
Raclette statt Pouletschenkel
Unter dem nasskalten Wetter leidet die ganze Schweiz – für einzelne Branchen ist der Regen aber ein Segen. Regen, Regen und zwischendurch etwas Schnee – Petrus ist der Schweiz und insbesondere den Metzgern derzeit gar nicht wohlgesinnt.
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24.05.2013 LandbrugsAdvisen
Få penge udbetalt hvis vejret er dårligt.
Nu kan man gardere sig mod de økonomiske konsekvenser, som tørke, nedbør, kulde og for lidt varme har for afgrøderne.
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Finanz und Wirtschaft
Wetterderivate zur Existenzsicherung
Wetterzertifikate für Kleinstbauern – CelsiusPro liefert das nötige Know-how. Das äthiopische Landwirtschaftsministerium hat mit Japans International Cooperation Agency (JICA), einer Entwicklungsorganisation, nach einer Lösung gesucht: Swiss Re und Celsius Pro wurden angefragt, die notwendige Informationsinfrastruktur zu liefern, um das Projekt realisieren zu können.
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Agrarmanager
Dem Wetter ein Schnippchen schlagen
Mit der Zunahme von Wetterextremen wird auch im Agrarbereich häufiger über den Sinn und Zweck von Wetterzertifikaten diskutiert. Wir zeigen Ihnen, wie sich mithilfe dieser neuartigen Instrumente das wetterbedingte Risiko im Ackerbaubetrieb reduzieren lässt.
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23.01.2013 Insurance Times
Aon launches weather insurance product
Aon Benfield has launched a new weather reinsurance product to protect insurers against adverse weather losses in the UK, Global Reinsurance can reveal. The index-based cover, named WExcess, has been developed in partnership with Swiss Re and weather risk management expert CelsiusPro.
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Aon Benfield
WExcess reinsurance product helps insurers mitigate severe weather losses
Aon Benfield, the global reinsurance intermediary and capital advisor of Aon plc (NYSE:AON), today announces the launch of its new weather reinsurance product that offers insurers protection against adverse weather losses in the UK.
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16.11.2012 Financial Times
How to . . . make money from the weather
The ravaging of the east coast of the US by Hurricane Sandy last month highlighted the devastating impact of weather-related disasters. In addition to leaving more than 100 people dead, the storm is expected to rank among the eight costliest in the US, with estimated costs to insurers of between $10bn-$20bn.
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ELVIA Press Release
ELVIA Wetterversicherung neu auf Touronline
Ab Freitag, 9. November 2012, können Policen für die ELVIA Wetterversicherung neu auch über das Buchungssystem Touronline abgeschlossen werden.
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Presseinformation Leu Energie & Technik
Schnee am Nikolaustag?
Leu Energie & Technik schenkt 200,- Euro auf jede Heizöl- bzw. Holzpelletsbestellung im Aktionszeitraum vom 29.10. – 20.11.2012. Voraussetzung hierfür sind mindestens 8 cm Neuschnee am Nikolaustag.
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Country Leader
Weather risk in the wind
A leading economist and weather risk expert says farmers in many parts of Australia will suffer from drier weather conditions forecast to last until October if they don’t take steps to protect themselves. Rural economies and food prices are expected to suffer as a consequence.
The Murray Valley Standard
Guard against weather
Economist Jonathan Barratt said adverse weather conditions this year have cost the Australian agricultural market hundreds of millions of dollars in lost production and undercapacity.
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The Yea Chronicle
Take steps to protect in drier months
Nationally recognized economist and media commentator Jonathan Barratt, CEO of online weather assurance broker CelsiusPro Australia, Australia’s first provider of weather certificates explained that adverse weather conditions have this year cost the Australian agricultural market hundreds of millions on lost production and undercapacity.
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The Murray Pioneer
Local farmer’s weather fallback
…“With a drier period forecasted for south-east, central and north-eastern Australia, and central WA up to October, weather volatility is on the increase,” Mr Barratt said. “Any losses on the farm have a flow-on effect downstream to the whole rural economy, and to consumers buying groceries in supermarkets. “In the coming months, corn, soy and wheat are all expected to see local price increases due to the US drought.
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CelsiusPro Medienmitteilung
Wetterversicherung: CelsiusPro & Allianz Global Assistance lassen Urlauber nicht im Regen stehen
Der Schweizer Wetterrisikomanagement Spezialist CelsiusPro AG und der Versicherungsanbieter Allianz Global Assistance starten eine Partnerschaft damit Urlauber nicht mehr im Regen stehen. Mittels einer Wetterversicherung erhalten Reisende eine Auszahlung für Regentage am Urlaubsort.
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Allianz Global Risk Press Release
ELVIA Wetterversicherung – Ein Regenschirm fürs Ferien-geld
Mit ihrem neuesten Produkt, der ELVIA Wetterversicherung, bietet Allianz Global As-sistance in Zusammenarbeit mit CelsiusPro ab sofort Schutz vor schlechtem Ferien-wetter. Dem Versicherungsnehmer werden ab dem zweiten Regentag 100 Franken für jeden Tag schlechtes Wetter erstattet.
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De Standaard
Dweilen met de kraan open
Het slechte weer is geen goed nieuws voor de festivalgangers, maar evenmin voor de organisatoren. Zij wapenen zich zo goed als dat kan, maar misschien is het tijd om écht nieuwe oplossingen te zoeken.
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WRMA press release
WRMA appoints new officers and board members for 2012-2013
The Weather Risk Management Association (WRMA) has appointed a new Board of Directors and elected officers to lead and counsel the organization in 2012 and 2013. Elected for two-year terms to the Board of Directors were Richard Betts of E.ON; Jens Boening of EDF Trading; Marty Malinow of Galileo; Mark Rueegg of CelsiusPro; Dan Tomlinson of Allianz and David Whitehead of Speedwell.
Business Reporter, Sunday Telegraph
Cloudy with a chance of loss
Weather derivatives are an increasingly popular way for businesses to insure against bad weather and limit the effect on revenue. Despite impressive advances in technology, nobody can control the weather. We can predict the weather short-term, but cannot prevent it from happening. This frustrates many business owners for whom the weather plays a major role in determining revenue.
Creativity and Innovation Management
Towards Systematic Business Model Innovation: Lessons from Product Innovation Management
Although business model innovations are decisive for a company’s long-term success or failure, they are still poorly understood compared to product innovations. Thus, their execution is imperfectly supported, and their organizational accountability is insufficiently regulated. In this paper, we systematically investigate similarities and differences between product and business model innovation to assess the potential of transferring insights and best practices.
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Materials Risk
Weather risk: Mother Nature is a hot commodity
Around a quarter of the annual economic output of the US, 37% of Germany and 45% of China is sensitive to the weather (see report). The profitability and revenues of virtually every business, from agriculture to energy and entertainment to construction, business survival and prosperity pivots to a greater of less extent on the vagaries of temperature, rainfall and wind. As climate change results in increasingly varied and extreme weather we explore what options are open to businesses (large and small) to manage this important and rising risk.
IE Magazine: The business of international events
Come rain, come shine?
Unless you’re a James Bond villain, nobody can control the weather. We all know that the success of many events, especially if outdoors, highly depends on favorable weather conditions. It seems that organizers can only hope for the best, but aren’t there more professional solutions to control weather risk than keeping your fingers crossed and praying for some sun?
Financial Advisor
When mother nature strikes
Day to day, season by season, weather changes can impact a company’s bottom line. And it need not be a calamity like Japan’s Fukushima disaster. A retailer selling coats is at risk if the winter turns out warmer than usual. An unusually cold winter can affect shopping centers if management contracted for, say, ten snow removals when 25 were needed.
The Economist
Weather derivatives: Come rain or shine
WEARING lots of layers and a decent waterproof coat is one way to guard against changeable weather. Firms facing losses because of a big freeze or baking sun do not have that option. Insurance companies have long offered cover against flooding, hurricanes and other catastrophes. For less calamitous changes in the weather, derivatives are a better option.
Welt Online
Klamme Kommunen wetten auf Wintertemperaturen
Deutschland zittert und bibbert. Das weckt Erinnerungen an die vergangenen beiden Winter, als Schnee und Frost in vielen Städten und Kommunen die Salzdepots leer räumten und die Kosten für den Winterdienst explodierten. Das war in Großbritannien ähnlich: Einige Kommunen gaben mehr als doppelt so viel wie ursprünglich geplant für ihren Winterdienst aus.
Boer en Business
Goed beschermd tegen weerextremen
Akkerbouwer Kees Deijkers: Met zijn weersverzekering voor regenoverlast stopt hij. Nadat de akkerbouwer met zijn weersverzekering wederom buiten de criteria voor schade valt, zoekt hij een andere manier om de schade te compenseren. Hij sluit dit jaar op www.weerrisico.nl een regencertificaat af.
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The Guardian
Hedging on roads: councils bet on icy weather
As Britain prepares this weekend for a Siberian blast, councils across the country will be anxiously checking their betting slips. The increasing cost of keeping roads open during harsh winter weather has forced councils to make spread bets to offset the risk of big financial losses. Weather derivatives – financial contracts that pay out in cases of extreme weather – are being actively tested by councils across the country.
Jan/Feb 2012 CNBC Business
Stratospheric profits
From farmers to fashion houses, from advertisers to airlines, weather affects the bottom line of numerous industries worldwide. Indeed, more than a third of US economic growth is linked to weather conditions, according to figures from the Department of Commerce. A colder-than-expected winter, say, will directly impact how much fuel will be burnt to heat homes, how fast crops will grow and how much consumers will spend on goods.
De Actuaris
Weerderivaten als bescherming tegen tegenvallende resultaten
In het vorige nummer van de Actuaris konden we lezen dat goede weersvoorspellingen commerciële waarde hebben en dat er steeds meer nieuwe toepassingen voor weermodellen gevonden worden. Met dit nog in ons achterhoofd, bedachten we op de redactie dat het interessant zou zijn om het weer vanuit een financiële invalshoek te benaderen en zo kwamen we terecht bij CelsiusPro, een bedrijf dat gespecialiseerd is in de verkoop van individuele weercertificaten.
Tages-Anzeiger
Schneekanonen statt Schneeversicherung
Auf Schneefall gibt es keine Garantie, dafür Versicherungen. Die Skigebiete vertrauen aber lieber auf Kunstschnee. Diverse Bergbahnen und Hoteliers versuchten sich zwar in den letzten Jahren mit Spezialangeboten und Geldzurück-Garantien gegen allfällige Wetterkapriolen abzusichern – aber vor allem im Sommer. Das Risiko «Schneemangel» klammern sie aus, sehr zum Erstaunen des Zürcher Wetterversicherers Celsius Pro.
CelsiusPro Medienmitteilung
Zusammenarbeit mit Construction Industry Federation Irland
Mittels der Partnerschaft mit CelsiusPro möchte der Irischen Bauverband CIF seine Mitglieder aktiv unterstützen, finanzielle Schwierigkeiten bedingt durch ungünstige Wetterlagen zu bewältigen. Nach Kollaborationen mit dem holländischen Bauverband Bouwend Nederland und dem britischen Bauverband „Federation on Master Builders“ ist dies für CelsiusPro bereits die dritte Partnerschaft dieser Art.
CelsiusPro Press Release
Collaboration with Construction Industry Federation Ireland
CelsiusPro announces its partnership with the Irish association “Construction Industry Federation”. Through this collaboration CIF will promote weather certificates such as Frost Day and Rain Day certificates to construction companies. For CelsiusPro this is the third collaboration of this kind after having launched two successful partnerships with Bouwend Nederland and Federation of Master Builders, UK.
NZZ – Neue Zürcher Zeitung
Trost in bar bei Regen
Ist der Frühling zu kalt, kaufen die Zürcher weniger Schuhe. Der Zusammenhang zwischen der Aussentemperatur und den Umsätzen mit Fussbekleidung ist statistisch belegbar, behauptet Mark Rüegg. Bei der Stukturierte-Produkte-Messe zeigt der CEO von CelsiusPro, wie sich Unternehmen gegen die Launen des Wetters absichern können.
Finanz und Wirtschaft
Risiko Klimawandel
Wetterderivate. Zahlreiche Unternehmen sind hohen Wetterrisiken ausgesetzt. Derivate bieten Planungssicherheit.
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Bloomberg BusinessWeek
CelsiusPro, eWeatherRisk fire up market for weather contracts
Unlike many Midwesterners, Mike Betts loves deep snow. A Thanksgiving blizzard? Bring it on. A foot for April Fool’s Day? Perfect. His company, With a Grain of Salt, sells de-icing compounds, which means one of Betts’s worst nightmares isn’t too much snow but too little.
Financial Management
Weather permitting…
Forecasting the future for businesses – What’s the best weather for selling chocolate? Earlier this year Thorntons, which had 369 UK shops before an announced programme of closures, said the unseasonably warm weather in the run-up to Easter had hit sales and would cut the company’s full-year profits. So not hot, then. But back in February the company complained that the freezing temperatures and heavy snow last December meant delivery lorries couldn’t get through to the shops. Yuletide sales were down by £3.5m. So not cold either.
CelsiusPro Medienmitteillung
Partnerschaft mit Britischem Bauverband
Der Zürcher Wetterriskomanagementspezialist CelsiusPro AG kündigt seine Zusammenarbeit mit dem Britischen Bauverband „Federation of Master Builders“ an. Der grösste britische Handelsverband der Bauindustrie promotet nun massgeschneiderte Wetterzertifikate zur Absicherung gegen Frosttage- und Regentage für englische Bauunternehmen.
CelsiusPro Press Release
Launching partnership with British Construction Association
CelsiusPro AG, the Swiss-based weather risk management specialist, is to launch its newest partnership with Federation of Master Builders – the British construction association. The UK’s largest trade association within the construction industry promotes weather certificates to construction companies who can now purchase tailored weather certificates such as Frost Day and Rain Day Certificates.
Insurance Times
Swiss Re, Aon Ben and NRWB make risk weather product
Swiss Re, Aon Benfield Securities and The National Register of Warranted Builders (NRWB) have made a risk management product that pays Federation of Master Builder members if severe frost and rain stops building work. The product, also developed by weather risk management firm CelsiusPro, was made after recent extreme weather events stopped FMB members from working and lost them money.
Blacksocks Press Release
BLACKSOCKS Schönwettergarantie: Die erste Sommerhälfte war lausig
BLACKSOCKS versprach einen schönen Sommer und pries Socken mit Schönwettergarantie an. Regnet es mehr als vereinbart, erhält der Kunde sein Geld zurück. Nach der Halbzeit zeigt sich nun: Das Wetter war lausig. Geht es mit dem nassen Wetter so weiter, können sich die meisten Kunden, die mit ihren Socken eine Schönwettergarantie gekauft haben, über Gratis-Socken freuen.
Der Bund
Versicherung gegen Petrus’ Launen
Regen, Regen, nichts als Regen &endash Petrus hat den Kanton Bern in den letzten Tagen nicht gerade verwöhnt. Die für den Juli ungewöhnlich kühle und nasse Witterung schlägt sich mittlerweile auf die Besucherzahlen der Freilicht-Kulturveranstaltungen nieder.
TradeMagazine
Ein Call auf Regen
Mit Wetterderivaten können auch Kleinanleger auf das Wetter wetten
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Das Forum für Schweizer Wirtschaftspolitik (batz.ch)
Schlechtes Wetter gehört NICHT dem Staat
Monika Buetler – In meiner letzten NZZ Kolumne “Schlechtes Wetter gehört dem Staat” habe ich geschrieben, dass bei Umwelt- und Wetterrisiken immer mehr der Staat die Schäden berappen soll. Selbstverständlich ohne dass für diese Versicherung Prämien bezahlt würden.
20 Minuten
Openair: Bei Regen gibts für Besucher Geld zurück
HUTTWIL. Bei Regen gibt es das Eintrittsgeld zurück: Das Open Sky Festival in Huttwil bietet als erstes Festival in der Schweiz seinen Gästen eine Schönwettergarantie an.
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Netto, De Tijd
Hoe verdient u geld aan weer en wind?
De doortocht van tornado’s in de VS in april was de zwaarste ooit in de geschiedenis van het land. Kunnen beleggers zich indekken tegen slechte weersomstandigheden? […] In Europa biedt het Zwitserse bedrijf CelsiusPro aan bedrijven en particulieren een volledig gamma van weerderivaten aan.
EURO Amusement Professional EAP
Alles andere als ein Glücksspiel!
Wie viele andere Branchen sind auch – oder sogar vor allem – Freizeitparks, Zoos, Freibäder und ähnliche Freizeiteinrichtungen vom Wetter abhängig. Allerdings sind diese Unternehmen Wetterkapriolen nicht mehr länger schutzlos ausgeliefert.
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Market Watch, Wall Street Journal
How the weather can soak your profits
Check last quarter’s earnings reports and you’ll see companies as diverse as FedEx, Ruby Tuesday, Monster.com, and Staples sharing a common reason for reduced profits: The weather. […] A few companies, such as CelsiusPro (based in Switzerland), allow you to customize your own weather derivative contracts and purchase online.
CelsiusPro Factsheet
Über 70% weniger Regen auf der Alpennordseite seit Jahresbeginn
Der Jahresbeginn erweist sich zum zweiten Mal in Folge als extrem trocken. An einigen Wetterstationen liegen die Messwerte auf dem niedrigsten Niveau seit 25 Jahren – tiefer noch als die trockenen Vergleichsperioden der Jahre 1996 und 2003.
Tagblatt
Auch 2011 Seenachtfest, neu mit Wetterversicherung
Ein Arboner Seenachtfest gibt es auch dieses Jahr – trotz 119 000 Franken Defizit im Vorjahr. Um das Risiko für den Verkehrsverein Arbon zu minimieren, wird eine Wetterversicherung abgeschlossen.
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Press Release
GRITIT: ‘Cost of Winter Must Be Brought Under Control’
UK’s leading winter risk management company highlights CelsiusPro weather derivatives as the solution
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The New Europe
Don’t let the weather hit your bottom-line
Protecting your liquidity against the impact of unseasonal weather is an essential measure given the unpredictability of the modern climate. Mark Rueegg, CEO, CelsiusPro, tells us why…
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Schweizer Bauer
Das Wetterrisiko versichern?
Nicht versicherbare Risiken begleiten uns auf Schritt und Tritt. Die Wintertagung zeigte Ideen zum Risikomanagement.
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Surveyor
Are we overspending on winter gritting?
According to the Federation of Small Businesses (FSB), the Government and UK banks have been urged to lend their support to firms which have been badly affected by the severe winter weather.
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The Land
Weather hedge pays
The company behind an innovative new weather derivatives contract service is set to pay out more than $2 million to farmers whose crops were downgraded due to La Niña-induced flooding.
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