Excess snowfall and critical snow days can lead to operational challenges and revenue shortfalls. Arbol's excess snowfall critical days coverage provides tailored protection against revenue losses when snow days exceed a pre-selected threshold.


All 50 U.S. states

Who can benefit
  • Construction companies
  • Educational institutions
  • Retail businesses
  • Transportation and logistics companies
  • Event organizers

How it works

Using ERA5 snowfall data, a threshold can be set based on the amount of snowfall in a day and a trigger for the number of days to protect against can be chosen. If the number of snow days above the threshold surpasses the trigger, the insured automatically becomes eligible for a loss payment, covering costs and maintaining profitability despite excess snowfall challenges.

An example structure

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

An event organizer is looking for loss of revenue protection for their regional club basketball tournament. The organizer knows that the venue has been closed due to snowfall in the past and will need revenue protection if the event has to be canceled or postponed by two or more days.

Contract structure
Event organizer
Boston, Massachusetts
Excess Snowfall
full limit recovery
5 days
Payouts Based on
Cumulative number of days snowfall is greater than the threshold
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
2 inches
limit paid at
payment per critical day
time period
10/1 - 1/31
Coverage trigger
2 days
data source
National Hurricane Center
Payout profile

Next steps

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