Heavy snowfall can create challenges for businesses dependent on specific weather conditions. Arbol's parametric coverage for excess snowfall accumulation offers customized protection against revenue losses from unusually high snowfall.


All 50 U.S. states

Who can benefit
  • Construction companies
  • Property management firms
  • Transportation companies
  • Retail businesses

How it works

Using ERA5 snowfall data, a coverage trigger can be set based on a business's needs and risk exposure. If cumulative snowfall 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 snowfall.

An example structure

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

Local municipalities have strict budgets which include services for the community such as snow removal. If a winter season results in a much higher than normal snowfall accumulation, the municipality will be at risk of not being able to pay for snow removal services. To ensure there is financial relief in the event of an abnormally high seasonal snowfall accumulation the municipality can purchase a parametric insurance policy.

Contract structure
Salt Lake City, Utah
Excess Snowfall
full limit recovery
150 inches
Payouts Based on
Cumulative Snowfall
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
12/1 - 3/31
Coverage trigger
100 inches
data source
National Hurricane Center
Payout profile

Next steps

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