Excess soil moisture can severely disrupt agricultural and commercial operations, leading to damaged crops and temporary business closures. Arbol’s tailored parametric insurance solutions provide targeted protection based on precise, validated soil moisture data.
Used by 5,000+ Agency Partners
Traditional insurance often inadequately addresses these highly specific operational risks.
Arbol’s parametric solutions use precise data-driven thresholds, providing quick, automatic financial support exactly when it's needed most.
Specific soil moisture threshold (e.g., 35% soil saturation)
Select county, grid, or field and timeframe
Arbol monitors ERA5 hourly volumetric soil data
If the threshold is exceeded, payout is calculated and delivered—automatically
Excess Soil Moisture
>35% saturation for 5+ days
Insurance
Protection from crop damage during critical periods
Excess Soil Moisture
>40% saturation for 7+ days
Derivative
Revenue protection from orchard flooding
Excess Soil Moisture
>30% saturation for 10+ days
Insurance
Offset lost revenue from temporary closures
Excess Soil Moisture
>35% saturation for 5+ days
Insurance
Protection from crop damage during critical periods
Excess Soil Moisture
>40% saturation for 7+ days
Derivative
Revenue protection from orchard flooding
Excess Soil Moisture
>30% saturation for 10+ days
Insurance
Offset lost revenue from temporary closures
Soil moisture products may be structured as insurance or derivatives depending on jurisdiction, licensing, and client-specific requirements.
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Reliable third-party soil moisture data (ERA5 datasets)
Customized triggers tailored to soil moisture levels, location, and operational risks
Simple and intuitive quoting and compliance tools
Product can be structured as insurance or derivative, and as stand-alone or supplemental to traditional insurance
Arbol utilizes ERA5 hourly volumetric soil moisture data, a trusted and globally recognized dataset. Soil moisture levels are continuously monitored and validated objectively, ensuring transparent, accurate, and timely payout triggers.
Yes. Arbol’s flexible parametric solutions enable businesses to combine soil moisture coverage with other weather perils such as rainfall, temperature, and wind. This multi-trigger coverage helps businesses manage complex, interconnected weather risks efficiently.
Yes. Licensing requirements depend on whether the soil moisture coverage is structured as insurance or a derivative. Insurance products require an insurance broker or agent license, while derivatives have separate financial licensing requirements. Arbol provides guidance based on your jurisdiction and client structure.
Insurance: Regulated under insurance law, it is suitable for clients seeking straightforward financial protection against excess soil moisture. Policies are typically offered through licensed insurance agents or brokers.
Derivatives: These financial contracts directly link payouts to soil moisture thresholds, regulated under financial markets. Derivatives suit sophisticated clients or brokers managing financial risks through precise hedging strategies.
Absolutely. Arbol’s excess soil moisture coverage is ideal for businesses and agricultural operations often underserved by federal programs, including orchards, nurseries, garden centers, golf courses, athletic fields, and agricultural research facilities.
Yes. Arbol provides highly customizable solutions, allowing clients to set specific soil moisture thresholds and durations tailored precisely to their unique operational needs and risk profiles.
