Low temperatures can impact businesses, causing reduced revenue and increased costs. Arbol's parametric insurance offers customized protection against revenue losses due to low temperatures.


Contiguous U.S.

Who can benefit
  • Agriculture and horticulture businesses vulnerable to frost damage
  • Commercial property owners at risk of cold-related structural damage
  • Retail and hospitality businesses affected by reduced foot traffic during cold spells
  • Transportation and logistics companies facing delays due to icy conditions
  • Energy providers experiencing increased demand and supply challenges during cold periods

How it works

Using PRISM daily minimum temperature data, our coverage makes insureds eligible for loss payments if the lowest daily temperature during the policy period falls below the pre-selected trigger, helping manage financial risks associated with low temperatures.

An example structure

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

Lauren is the CEO of a wine production operation in California with many acres of vineyards. Last year her company lost nearly 50% of their revenue when an extreme cold snap caused her vulnerable grapes to freeze before harvest.

Contract structure
Napa Valley, California
Low temperature
full limit recovery
28° Fahrenheit
Payouts Based on
Minimum daily temperature
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
time period
3/1 - 6/30
Coverage trigger
36° Fahrenheit
data source
National Hurricane Center
Payout profile

Next steps

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