Agriculture

Manage weather risk.
Protect agricultural operations.

Transparent, data-driven solutions that address revenue losses from climate volatility across both insurance and derivative structures.

Arbol offers parametric products linked to weather and yield data. Coverage is based on independent third-party indices, not subjective loss adjustment.

Featured in

Used by 5,000+ Agency Partners

Backed by ERA5, PRISM, + CPC Datasets

Weather risk is increasing. So are revenue disruptions.

Extreme weather has become a top-line threat to farms and agribusinesses across the U.S.—and traditional options haven’t kept up.

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.

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How Parametric Coverage Works

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Risk

Choose a risk such as low rainfall, freeze, or yield loss

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Trigger

Set index trigger thresholds by location and timeframe

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Monitor

Arbol monitors trusted weather and yield data sources

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Payout

If the trigger is met, payout is calculated and delivered—automatically

Coverage structures may take the form of insurance or derivatives, depending on regulatory and licensing requirements.

Agriculture
Coverage Options

Built for Real-World
Agricultural Risks

Cotton Gin
Risk

Area Yield Index

Trigger

County yield <80% of average

Structure

Insurance

Use Case

Revenue loss protection when supply falls

Specialty Berry Farm
Risk

Excess Moisture

Trigger

5+ days of >35% soil saturation

Structure

Insurance

Use Case

Protects crop quality during bloom

Vineyard
Risk

Freeze Event

Trigger

Temp <28°F during bud break

Structure

Derivative

Use Case

Supports replanting and revenue stability

Client
Risk
Trigger
Structure
Use Case
Cotton Gin

Area Yield Index

County yield < 80% of average

Insurance

Revenue loss protection when supply falls

Specialty Berry Farm

Excess Moisture

5+ days of >35% soil saturation

Insurance

Protects crop quality during bloom

Vineyard

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.

— Al Crisp
Owner, Punkin Center Gins

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.

— Zack Wall
President, SKW Group Inc.

We needed a solution that could provide financial stability in the face of these unpredictable climate risks.

— Employee
West Gaines Seed

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

FAQ

Explore common questions from brokers + agribusinesses.

What is parametric insurance for agriculture?

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.

How does Arbol’s parametric insurance differ from traditional crop insurance?

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.

What types of weather risks can be covered by Arbol’s agricultural solutions?

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.

How are payouts determined for Arbol’s agricultural products?

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.

Can Arbol’s solutions be customized for my specific agricultural business needs?

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.

Start a coverage conversation with Arbol today.

Arbol does not sell directly to producers. A licensed agent or broker must structure coverage.

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Agriculture Insights