Rainfall is one of the most impactful—and unpredictable—drivers of agricultural revenue. Arbol’s rainfall-linked products offer location-specific protection based on trusted data, not damage assessments.
Used by 5,000+ Agency Partners
Traditional coverage options often don’t align with the risks producers actually face. Arbol’s rainfall-linked products are structured around precise climate data, offering automated payouts when rainfall exceeds or falls below a selected threshold.
These solutions help brokers and agribusinesses manage revenue swings, preserve cash flow, and build resilience into operations.
Low rainfall or excess rainfall
Set rainfall index trigger thresholds by county, field, or region and timeframe
Arbol monitors trusted weather and yield data sources
If the trigger is met, payout is calculated and delivered—automatically
Excess Rainfall
35% soil saturation for 5+ days
Insurance
Prevented berry harvest due to flooding
Low Rainfall
<2" total rainfall during June
Derivative
Revenue dip due to reduced farmer delivery volumes
Custom Blend
Combined excess/deficit
Insurance
Maintained cash flow stability across seasons
Excess Rainfall
35% soil saturation for 5+ days
Insurance
Prevented berry harvest due to flooding
Low Rainfall
<2" total rainfall during June
Derivative
Revenue dip due to reduced farmer delivery volumes
Custom Blend
Combined excess/deficit
Insurance
Maintained cash flow stability across seasons
Rainfall variability is one of the largest risks in agriculture today. Arbol’s rainfall-linked climate solutions offer protection against both drought and excess rainfall, with payouts based on independent third-party datasets like PRISM, CPC, and ERA5. These tools are available to brokers, MGAs, and agribusinesses seeking transparent, objective weather protection.
Rainfall solutions may be offered as insurance or derivatives depending on the jurisdiction, client structure, and regulatory requirements. Insurance products are offered through Arbol Insurance Services, a licensed general agent. Derivative solutions are not insurance and will not indemnify direct physical losses.
Based on independent, transparent data (CPC, PRISM, ERA5)
Triggers customized by region, crop cycle, and risk tolerance
Works with brokers to structure legally compliant products
Offers flexibility: pure hedge or regulated insurance
Arbol uses independently verified, third-party climate datasets such as PRISM, CPC, and ERA5 to track and validate rainfall totals across insured areas. These datasets are widely recognized for their accuracy, consistency, and spatial granularity. Payouts are based on objective measurements—not claims assessments—ensuring transparency and eliminating disputes.
Yes. Arbol supports multi-trigger structures, allowing clients to combine rainfall and temperature thresholds (such as heat, frost, or THI) into a single contract. This is especially useful for specialty crops or regions where multiple climate risks interact during critical growth periods.
Yes. If the product is structured as insurance, you must hold a valid insurance license. Derivative versions of the product may be available depending on the client type and jurisdiction, which are subject to separate regulatory frameworks. Arbol’s team will guide brokers and partners through the appropriate licensing pathways.
Insurance: Regulated, brokered through Arbol Insurance Services or a licensed partner. Provides financial protection when rainfall falls above or below pre-set thresholds.
Derivative: A financial instrument tied to rainfall data, typically used by larger agribusinesses or commodity traders to hedge weather-related exposure. Derivatives are not insurance and do not indemnify physical loss.
Yes. Rainfall coverage is especially valuable for specialty, perennial, or high-value crops that fall outside traditional crop insurance programs. Examples include vineyards, tree fruit, nuts, berries, and diversified small farms.
Yes. Rainfall coverage can be layered with additional triggers such as yield-based indexes, freeze events, or custom combinations. These layered solutions can help reduce basis risk and provide more complete protection across your production cycle.
