Excess Soil Moisture

Thrive with our tailored parametric insurance solutions despite excess soil moisture

Things you can do

Overview

Excess soil moisture can impact businesses, causing financial and operational challenges. An excess of water saturation in soil can cause damage to crops or cause businesses like golf courses to shut down temporarily. Arbol's parametric insurance protects against revenue losses by offering customized coverage based on a business's specific needs.

Available

All 50 U.S. states

Who can benefit

Orchards
Agricultural cooperatives
Nurseries and garden centers
Agricultural research facilities
Golf courses and athletic fields

How it works

Using ERA5 hourly volumetric soil data, our coverage makes insureds eligible for loss payments if cumulative soil moisture exceeds the pre-selected threshold for the specified number of days, helping manage financial risks associated with excess soil moisture.

An example structure

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

Context

Last year Corn Processor Inc. lost a large portion of their revenue due to moldy corn. During the drying stage excess soil moisture caused the plants roots to rot away reducing the corn yield.

Contract structure

Client

Corn Processor

location

Kansas City, Missouri

peril

Excess Soil Moisture

full limit recovery

10 Days

Payouts Based on

Cumulative number of days in which the saturation is greater than the threshold

limit

$1,000,000

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

35% Saturation

limit paid at

Payment Per lost day

$200,000

time period

8/1 - 12/31

Coverage trigger

5 Days

data source

National Hurricane Center

Payout profile

Next steps

If you're an agent, you can request a premium indication

Get started

If you have a question?

Climate Risk Insurance Solutions LLC, doing business as Arbol Insurance Services, and operating in New York under the name Arbol Insurance Services LLC (“Arbol” or “AIS”) is licensed as a property casualty and surplus lines insurance agency in all states in which insurance is offered and such licenses are necessary to offer this insurance. All descriptions or highlights of the insurance being provided are for general information purposes only, do not address state-specific notice or other requirements, and do not amend, alter, or modify the actual terms or conditions of an insurance policy. Availability and qualification for coverage, terms, rates and discounts may vary by jurisdiction. Our state license numbers can be found here. AIS does not solicit from the public. Any carrier ratings contained herein are as of 7.18.23. A.M. Best ratings are under continual review and subject to change. Current ratings can be found at www.ambest.com.