Snowfall

Safeguard your revenue from snowfall volatility.

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Customized parametric insurance solutions designed to manage the financial risks associated with both low and excess snowfall, tailored to your agricultural operations.

Unpredictable snowfall patterns can significantly impact agricultural revenue streams. Arbol provides tailored parametric coverage to protect your business from the financial impacts of snowfall extremes.

Used by 5,000+ Agency Partners

Backed by ERA5, PRISM, + CPC Datasets

Snowfall extremes can freeze agricultural profits.

Snowfall variability presents serious operational risks for agriculture-dependent businesses.

Traditional insurance often fails to address specific snowfall-related challenges adequately.

Arbol’s parametric solutions provide clear, rapid payouts based on precise ERA5 snowfall data, ensuring financial resilience amid snowfall extremes.

How Parametric Coverage Works

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Choose Snowfall Coverage

Low, Critical Days, or Excess Accumulation

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Define Triggers

Set snowfall index triggers specific to your operational season by county, grid, or specific field

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Coverage Initiated

Arbol monitors ERA5 snowfall data

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Payouts Automated

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

Payout Amount
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Probability
Snowfall
Historical Payout
Coverage is available as insurance or derivatives based on jurisdiction and client eligibility.

Agricultural Use Cases
for Snowfall Coverage

ID Winter Wheat Farm
Risk

Low Snowfall

Trigger

<20" cumulative snowfall

Structure

Insurance

Use Case

Protects crops requiring snowfall for winter insulation

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NY Livestock Market
Risk

Excess Snowfall Critical Days

Trigger

>4" snowfall on 3+ market days

Structure

Derivative

Use Case

Financial safeguard against revenue lost on snow days

MI Rural Municipality
Risk

Excess Snowfall Accumulation

Trigger

>120" cumulative snowfall

Structure

Insurance

Use Case

Covers additional snow removal costs in rural areas

Client
Risk
Trigger
Structure
Use Case
ID Winter Wheat Farm

Low Snowfall

<20" cumulative snowfall

Insurance

Protects crops requiring snowfall for winter insulation

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NY Livestock Market

Excess Snowfall Critical Days

>4" snowfall on 3+ market days

Derivative

Financial safeguard against revenue lost on snow days

MI Rural Municipality

Excess Snowfall Accumulation

>120" cumulative snowfall

Insurance

Covers additional snow removal costs in rural areas

Snowfall products may be structured as insurance or derivatives depending on jurisdiction, licensing, and client-specific requirements.

Download Snowfall Factsheet

Enter your email to download our Snowfall Factsheet.

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Why Clients + Agents Use Arbol

Independent Data

Reliable third-party snowfall data (ERA5 datasets)

Custom Triggers

Highly customized snowfall triggers tailored to agriculture operations

Legally Compliant

Broker-friendly quoting and compliance tools

Speed

Rapid, automatic payouts without subjective claims

FAQ

Explore common questions about snowfall coverage.

How is snowfall tracked and validated?

Arbol uses the ERA5 dataset, a globally recognized and trusted source of hourly snowfall data, to continuously monitor snowfall levels. Coverage triggers and payouts are validated objectively, ensuring accuracy, transparency, and timely payouts.

Can snowfall coverage be combined with other weather risks?

Yes. Arbol provides customizable parametric solutions, allowing businesses to combine snowfall coverage with additional weather perils such as temperature extremes, rainfall, or soil moisture. This comprehensive approach helps businesses effectively manage interconnected weather risks.

Do agents require special licenses to offer snowfall-based products?

Yes, licensing requirements vary based on the product structure. Insurance products require agents or brokers to hold relevant insurance licenses, while derivative products require appropriate financial market licenses. Arbol assists brokers in understanding specific licensing requirements based on jurisdiction and product selection.

What’s the difference between insurance vs. derivative snowfall products?

Insurance: Regulated under insurance law and offered through licensed agents or brokers, suitable for clients seeking direct financial protection from snowfall-related losses.

Derivatives: Financial contracts linked directly to snowfall thresholds and regulated under financial markets, ideal for sophisticated clients or brokers implementing advanced risk management strategies.

Is this coverage suitable for agricultural operations not covered by federal programs?

Absolutely. Arbol’s snowfall coverage is particularly beneficial for agricultural businesses not fully covered by federal crop insurance programs, including specialized crop farms, livestock operations, and rural municipalities reliant on snow-dependent agricultural activities.

Can I customize snowfall thresholds and policy durations?

Yes. Arbol offers fully customizable solutions allowing businesses to set specific snowfall thresholds and coverage periods tailored to their unique operational and financial needs, providing targeted and effective financial risk protection.

Start a snowfall risk assessment with Arbol today.

Arbol works through licensed agents and brokers. Product availability depends on jurisdiction, eligibility, and operational specifics.

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Snowfall Insights