Arbol offers parametric products linked to weather and yield data. Coverage is based on independent third-party indices, not subjective loss adjustment.
Used by 5,000+ Agency Partners
Federal crop insurance often excludes critical perils or offers limited protection for specialty crops.
Arbol helps bridge that gap with parametric products that respond to climate triggers like rainfall, temperature, or yield. These solutions are used by brokers and their clients to manage volatility, smooth revenues, and meet compliance or capital requirements.
Choose a risk such as low rainfall, freeze, or yield loss
Set index trigger thresholds by location and timeframe
Arbol monitors trusted weather and yield data sources
If the trigger is met, payout is calculated and delivered—automatically
Covers losses when average county yields fall below a chosen level
Responds to rainfall totals below your selected threshold
Designed for operations vulnerable to saturated soils or flooding
Area Yield Index
County yield <80% of average
Insurance
Revenue loss protection when supply falls
Excess Moisture
5+ days of >35% soil saturation
Insurance
Protects crop quality during bloom
Freeze Event
Temp <28°F during bud break
Derivative
Supports replanting and revenue stability
Area Yield Index
County yield < 80% of average
Insurance
Revenue loss protection when supply falls
Excess Moisture
5+ days of >35% soil saturation
Insurance
Protects crop quality during bloom
Freeze Event
Temp <28°F during bud break
Derivative
Supports replanting and revenue stability
Parametric agriculture solutions from Arbol provide index-linked coverage for yield loss, rainfall deviation, and weather extremes. Using government and satellite datasets like PRISM, CPC, and ERA5, these tools are tailored for agribusinesses and brokers seeking objective, transparent climate risk management.
Coverage is subject to terms and may be offered as an insurance product or derivative structure depending on the jurisdiction and party involved. Arbol Insurance Services is a licensed general agent. Derivatives are not insurance and will not indemnify individualized loss. Always consult licensing and regulatory guidance in your jurisdiction.
…The 6,600 bales we ginned was just about enough to pay the light bill… This payment from Arbol was going to be a large chunk of income for the year.
Arbol’s parametric solution gave us the peace of mind that we could maintain our supply chain, and support our clients without interruption—even in the face of severe droughts, or other climate events.
We needed a solution that could provide financial stability in the face of these unpredictable climate risks.
Based on independent, transparent data (CPC, PRISM, ERA5)
No adjusters, no proof-of-loss needed
Works alongside federal crop insurance or as standalone protection
Options available for brokers, MGAs, reinsurers, and direct clients
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.
