High Temperature

Stay cool under pressure during extreme heat with our high temperature parametric insurance coverage
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Overview

High temperatures can affect businesses, leading to reduced revenue and increased expenses. Our parametric insurance offers tailored protection against revenue losses caused by high temperatures.

Available

Contiguous U.S.

Who can benefit
  • Agriculture businesses
  • Commercial property owners 
  • Retail and hospitality businesses 
  • Manufacturing facilities 
  • Energy providers

How it works

Using PRISM daily maximum temperature data, our coverage makes insureds eligible for loss payments if the highest daily temperature during the policy period exceeds the pre-selected trigger, helping manage financial risks associated with high temperatures.

An example structure

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

Organizers of open air markets that operate outdoors may face challenges during hot weather. Both vendors and shoppers may be deterred from attending the market, or the local authorities may force a closure if a heat wave is too dangerous for prolonged outdoor exposure.

Contract structure
Client
Retail business
location
Atlanta, Georgia
peril
High Temperature
full limit recovery
110° Fahrenheit
Payouts Based on
Maximum daily temperature
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
limit paid at
payment per degree
$100,000
time period
6/1 - 10/31
Coverage trigger
100° Fahrenheit
data source
National Hurricane Center
Payout profile

Next steps

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© 2023 Arbol Inc. All rights reserved.

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.