Temperature fluctuations—extreme heat or unexpected cold snaps—can severely impact business operations. Arbol’s temperature-linked parametric products offer location-specific protection based on validated climate data, eliminating subjective damage assessments.
Used by 5,000+ Agency Partners
Traditional insurance rarely accounts accurately for temperature-driven losses.
Arbol provides objective, data-driven parametric coverage solutions, triggering automatic payouts when predefined temperature thresholds are met.
High or Low Temperature
Select county, grid, or field and timeframe
Arbol monitors data
If the threshold is met, payout is calculated and delivered—automatically
Low Snowfall
<36°F min daily temperature
Insurance
Safeguard grape harvest from cold snaps
Excess Snowfall Critical Days
>100°F max daily temperature
Derivative
Coverage against heat-driven closures
Excess Snowfall Accumulation
High/low combined triggers
Insurance
Manage volatility in energy demand
Low Temperature
<36°F min daily temperature
Insurance
Safeguard grape harvest from cold snaps
High Temperature
>100°F max daily temperature
Derivative
Coverage against heat-driven closures
Custom Blend
High/low combined triggers
Insurance
Manage volatility in energy demand
Temperature products may be structured as insurance or derivatives depending on jurisdiction, licensing, and client-specific requirements.
Reliable third-party temperature data (PRISM datasets)
Tailored triggers specific to location, temperature extremes, and risk periods
Easy-to-use quoting and compliance tools designed specifically for brokers
Product can be structured as insurance or derivative, and as stand-alone or supplemental to traditional insurance
Arbol leverages highly reliable, independent third-party datasets—primarily the PRISM climate dataset—to track daily temperature extremes accurately and transparently. All triggers and payouts are validated against this trusted data, ensuring an objective and dispute-free claims process.
Yes. Arbol’s customizable parametric solutions allow you to combine temperature coverage with other weather perils, such as rainfall, wind, or snow, within a single comprehensive contract. This multi-trigger option is ideal for businesses facing multiple climate-related risks.
Yes. Because Arbol’s products can be structured either as insurance or as derivatives, the licensing requirements vary by jurisdiction and product type. Typically, insurance products require an insurance broker or agent license, while derivative products have their own regulatory framework. Arbol’s team will guide you on licensing specifics for your jurisdiction and product selection.
Insurance: Offers financial protection against temperature extremes, regulated under insurance law, and typically involves a licensed insurance agent or broker. It is suitable for end-clients seeking straightforward financial protection.
Derivatives: Financial contracts linked directly to temperature data, regulated by financial markets. Derivatives are often used by sophisticated corporate clients or brokers managing financial exposure through hedging strategies.
Yes, Arbol’s temperature coverage is available for a broad range of temperature-sensitive crops, including specialty and perennial crops that may not be adequately protected under federal crop insurance programs. Examples include vineyards, orchards, and horticultural operations vulnerable to frost or heat stress.
Absolutely. Layering temperature triggers with other weather-based triggers like rainfall, freeze events, or wind speed is not only possible but encouraged for comprehensive risk management. This strategy allows businesses to tailor protection to their unique operational risks.
