Protection Gap

The protection gap is growing—communities are left exposed as traditional insurance pulls back.

12%

Uninsured
Homes

43%

Global
Protection

20%

Flood
Coverage
California Wildfires
Farm Regions
Florida Hurricane Belt

A new model for climate risk transfer.

Arbol brings together three powerful layers into one vertically integrated platform: tech, product, and capital.

Together, this stack allows Arbol to reach places and protect people where others can’t—coastal homes, global agriculture, wildfire zones, and fragile supply chains.

Technology

AI underwriting, climate modeling, and fully digital policy infrastructure

Product

Parametric and traditional climate-linked insurance across sectors

Capital

Embedded reinsurance and proprietary climate risk funds