WHy Arbol?

Traditional insurance struggles to scale coverage for climate risks.

The Problem

A broad spectrum—from small farmers to large corporations and banks—is left vulnerable with traditional insurance.

This protection gap is marked by delays, disputes, instances of fraud, and a lack of specific climate risk products, compounded by insufficient industry infrastructure to tackle the escalating challenge of climate catastrophes disrupting global supply chains.

A single event can set off a chain reaction that ripples through our interconnected world.

In 2023, the world faced 398 natural disasters, causing $380 billion in losses and revealing a 69% global protection gap.

Economic
Losses

$380 Billion

22% above the 21st century average

369

Number of notable disaster events

66

Billion-dollar economic loss events

Insured
Losses

$118 Billion

31% above the 21st century average

37

Billion-dollar insured loss events

$3.5 Billion

Insured loss from Hawaii wildfire

Picture this...

A farmer, hopeful for a bountiful harvest, is facing the brutal reality of drought.

A missed loan payment follows, impacting not just the farmer’s livelihood, but also the local community.
Now Zoom Out.

That local impact reverberates through the financial system, where banks that lent to countless farmers now face a systemic risk.

It’s not just one farm—it’s a network of loans, investments, and livelihoods that are all tied together.
See the domino effect?

Climate risk is more than unpredictable weather; it’s a domino effect that can disrupt industries, economies, and lives.

When businesses falter due to unexpected events, it sends shockwaves through supply chains, jobs, and ultimately, the global financial system. The story we’re telling here isn’t about isolated incidents. It’s about connections.
Our Solution is Parametric

Arbol’s role is to disrupt this chain by introducing parametric insurance.

By triggering swift payouts when predetermined conditions are met, we’re breaking the cycle of uncertainty, helping businesses recover faster, and fortifying the resilience of entire systems.

Through parametric insurance products, Arbol offers swift, objective, and scalable coverage, addressing specific climate risks with no room for disputes or delays.

This innovative model not only closes the global protection gap but also ensures that from the smallest farmers to large corporations, all have access to reliable protection against climate volatility.

See how parametric insurance works:

38.388442, -98.336612
34.032760, -78.347608
29.582470, -90.876842
42.471981, -107.601997
Step 1

Define your location and risk.

Parametric insurance operates on a model that pays out based on the occurrence of predefined triggers, such as wind speed or rainfall level, rather than traditional claims processing.

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Step 2

Set your payout parameters.

By directly linking payouts to measurable parameters, parametric insurance ensures rapid financial support in the aftermath of disasters, facilitating quicker recovery for those affected.

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Payout Amount
Probability
Rainfall
Historical Payout
New Message
Your contract executed and a deposit has been made to your bank.
Step 3

Let weather happen; get paid.

This approach allows for quicker, objective settlements without the need for extensive damage assessments, offering a transparent and efficient solution for managing risks associated with climate events.

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Expansive Data Infrastructure

We leverage our extensive data infrastructure to retrieve industry-leading, institutional-grade climate data and models sourced from both public and government sources like NOAA, NASA, and the European Space Agency (ESA) as well as industry-leading commercial and private sources for underwriting our parametric coverage products.

AI/ML Underwriter

Arbol utilizes AI and machine learning to enhance underwriting precision, optimizing risk assessment and pricing accuracy.

Arbol Platform

The Arbol platform integrates advanced data and pricing analytics to streamline and improve the process of enrolling clients in coverage for agents and brokers.

Flexible Risk Capital

Arbol has flexible, dedicated risk capacity to support its product development, enabling it to offer bespoke and tailored solutions for a range of clients.

Customers

Arbol serves a diverse clientele, providing tailored insurance solutions that efficiently address unique climate-related challenges.
Get Started

Get started with the Arbol platform today.

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