Arbol can protect your bottom line with modern weather coverage.
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Unprecedented Climate Volatility
The agriculture industry is facing unprecedented climate volatility that traditional crop insurance often doesn’t cover.
Stability is Threatened
Producers are left exposed, with gaps in protection that threaten yields, income, and stability across entire supply chains.
About Arbol
Arbol is a tech-focused company leveraging artificial intelligence and advanced data infrastructure to build parametric financial products that strengthen resilience against harmful climate risks.
Parametric Insurance
Parametric insurance, unlike traditional insurance, pays out when a pre-defined event occurs, measured objectively with third-party data such as NOAA, National Weather Service, and PRISM Climate Group.
The Area Yield Program (AYP) is a revolutionary county-level yield index product that pays when yields fall below a chosen trigger. Farmers can customize coverage by crop, county, and amount.
Nearly 100 different crops covered
Arbol’s parametric solutions protect a wide range of specialty and row crops across diverse climates.
Flexible to your unique needs
Each policy is customized to your operation’s location, season, and risk tolerance — no one-size-fits-all coverage.
Objective, data-driven payouts
Contracts settle automatically using trusted third-party datasets, ensuring transparent and bias-free results
Supplements existing crop insurance
Designed to fill gaps left by traditional programs, Arbol adds an extra layer of protection when weather strikes.
Parametric insurance for agriculture is a type of coverage that provides payouts based on predefined weather events or indices, rather than actual crop losses. It uses objective data from trusted sources to trigger payments, offering faster and more transparent protection against weather-related risks.
Unlike traditional crop insurance, which requires loss assessments and can lead to lengthy claim processes, Arbol’s parametric insurance uses predefined triggers based on weather data. This results in faster payouts, no need for loss adjusters, and greater transparency in the claims process.
Arbol offers coverage for a wide range of weather risks including excess or low precipitation, extreme temperatures, wind speeds, solar irradiance, soil moisture, and crop yields. Our flexible solutions can be customized to address specific risks faced by different agricultural businesses.
Payouts are determined automatically based on data from trusted third-party sources like the U.S. Department of Agriculture, PRISM, or ERA5. When the measured weather parameter exceeds or falls below the predefined trigger, a payout is initiated without the need for claims adjustment.
Yes, Arbol’s solutions are highly customizable. We work with you to identify your specific risks, choose relevant locations, select appropriate risk periods, set coverage limits, and define triggers that align with your business needs. This ensures that you get protection tailored to your unique situation.
When county yields decline, the financial impact extends beyond growers — cooperatives see reduced volume through gins and lower revenue to cover fixed costs like payroll and energy. Traditional insurance programs offer little direct protection for these supply chain businesses, leaving them exposed during low-yield years.
AYP provides payouts when official county yield data falls below a chosen threshold, helping cooperatives offset revenue losses tied to reduced production. Each policy is customized to the cooperative’s service area and crop mix, ensuring coverage aligns with their operational footprint and member exposure.
The funds provided essential liquidity to stabilize operations and maintain grower support. By integrating AYP into their broader financial strategy, cotton cooperatives are strengthening their ability to manage yield volatility and sustain long-term business stability despite a changing climate.
Their coverage, tied directly to county yield performance, has provided essential financial support in difficult years. Arbol’s solutions are now a core part of our clients’ long-term risk management strategy.”
— Taylor Sue, Goen & Goen
Despite carrying federal crop insurance, the farm remained significantly underinsured, as the existing program offered no effective protection against early spring temperature swings. This left the grower financially exposed — with high input costs and no revenue to offset them.
Arbol’s contract was built using ERA5 reanalysis temperature data, a globally trusted third-party source, and customized to match the orchard’s unique microclimate. The policy automatically triggered payouts when minimum daily temperatures fell below a defined threshold, ensuring objective, transparent protection without the delays of adjusters or paperwork.
The coverage not only filled a critical gap left by federal programs but also restored confidence in long-term orchard planning. With Arbol’s data-driven structure, the grower now has predictable income protection against increasingly erratic weather, allowing them to focus on operations instead of risk.
Their parametric freeze coverage gave our client real peace of mind and strengthened their resilience against future extreme weather. I see their weather options as critical for specialty crops.”
— Eric Sorensen, Momentum Ag
