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
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.
Low, Critical Days, or Excess Accumulation
Set snowfall index triggers specific to your operational season by county, grid, or specific field
Arbol monitors ERA5 snowfall data
If the trigger is met, payout is calculated and delivered—automatically
Low Snowfall
<20" cumulative snowfall
Insurance
Protects crops requiring snowfall for winter insulation
Excess Snowfall Critical Days
>4" snowfall on 3+ market days
Derivative
Financial safeguard against revenue lost on snow days
Excess Snowfall Accumulation
>120" cumulative snowfall
Insurance
Covers additional snow removal costs in rural areas
Low Snowfall
<20" cumulative snowfall
Insurance
Protects crops requiring snowfall for winter insulation
Excess Snowfall Critical Days
>4" snowfall on 3+ market days
Derivative
Financial safeguard against revenue lost on snow days
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.
Reliable third-party snowfall data (ERA5 datasets)
Highly customized snowfall triggers tailored to agriculture operations
Broker-friendly quoting and compliance tools
Rapid, automatic payouts without subjective claims
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.
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.
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.
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.
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.
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.
