Excess precipitation can pose serious challenges to businesses. Arbol's parametric coverage for excess precipitation offers a customized solution to shield businesses from revenue losses associated with heavy rainfall.


Contiguous U.S.

Who can benefit
  • Agricultural businesses, such as crop farms and orchards
  • Construction and infrastructure projects
  • Flood-prone properties
  • Transportation and logistics companies
  • Outdoor event organizers

How it works

A coverage trigger can be set based on a business’s needs and risk exposure using CPC or PRISM precipitation data. If cumulative rainfall surpasses the threshold during the policy period, the insured automatically becomes eligible for a loss payment, helping to cover costs and maintain profitability despite challenges from excess precipitation.

An example structure

For informational purposes only. Actual coverage may vary by carrier.

Grain processors of Des Moines generate revenue when farmers store their products in their grain silos. If farmers have reduced yield due to too much rainfall, the grain processor receives less grain from farmers and incurs costs associated with the reduction in revenue.

Contract structure
Grain elevator
Des Moines, Iowa
High rainfall
full limit recovery
7 inches
Payouts Based on
Cumulative precipitation
payout table example
x% for Cat 3 within 30 miles
y% for Cat 4 within 20 miles
z% for Cat 5 within 10 miles
Daily threshold
limit paid at
Payment per inch
time period
6/1 - 9/30
Coverage trigger
5 inches
data source
National Hurricane Center
Payout profile

Next steps

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