Arbol

Texas cotton growers are carrying more weather risk than most people realize. Hail in the Texas High Plains. Drought across West Texas. Excess moisture at harvest in the Coastal Bend. The exposure window for a cotton crop runs nearly six months — and traditional crop insurance often leaves producers underserved when it matters most. That's why Arbol is heading to the Texas Cotton Ginners' Association 2026 Gin Show. We work with crop agents, brokers, ginners, and ag lenders who need risk transfer that's built around actual weather data — not slow claims processes or coverage gaps that don't reflect how a cotton operation actually works. Parametric insurance pays on measured outcomes. No adjusters. No disputes about whether the damage qualifies. Just a structure designed around the weather events that actually threaten yield and revenue. If you're attending the Gin Show, schedule time with us in advance — https://lnkd.in/guWSFcFJ #TexasCotton #CropInsurance #ParametricInsurance #AgRisk #TCGA #CottonGinners

California's wildfire insurance market is broken. Wholesale brokers are fielding calls from clients who can't get adequate coverage — and the options available aren't keeping up with the risk. Our Wildfire team is hitting the road. March 2–6, we're meeting with wholesale brokers across California to talk through how parametric coverage can fill that gap — fast, transparently, and without the complexity that's made this market so hard to work in. If you're placing California property risk and want to understand how Arbol's parametric wildfire solutions work, let's get time on the calendar. 👇 Book a meeting with the team: https://lnkd.in/ev3FCEvN

70% of Palisades Fire victims are still displaced — a year later. Not because homes can't be rebuilt. Because the insurance system wasn't built for what California wildfire risk looks like today. The indemnity model worked fine until 75-year and 100-year events started happening every few years. It's not a spike. It's a structural shift. Parametric insurance was built for exactly this problem. Arbol's new piece by Taimur Chaudhri and Collin Chen, CFA, breaks down how parametric fire coverage works, who it's built for, and why the question for California homeowners is no longer whether to consider it — but how much they need before the next fire season. Read more: https://lnkd.in/gRdfr-Wk #ParametricInsurance #WildfireRisk #ClimateRisk #CaliforniaInsurance #Insurtech

Proud to share that Arbol has been named a 2026 Gamechanger by the Institute for Insurance Innovation (IFORII). The IFORII Gamechangers: Climate Risk report spotlights the companies reshaping how the insurance industry responds to an accelerating climate crisis — and we're honored to be recognized among them. Climate risk doesn't fit neatly into a single box. From agricultural drought and wildfire exposure to energy supply disruptions and supply chain volatility, the threats facing businesses today span industries, geographies, and risk types. Arbol was built to address that full complexity — using high-quality climate and weather data, advanced analytics, and AI-powered underwriting to help clients manage risk across the lines that matter most to them. The IFORII report makes clear that the insurance industry is at an inflection point. Escalating losses, retreating carriers, and widening protection gaps aren't temporary problems. They require a fundamentally different approach to how climate risk is priced, structured, and transferred. That's the work we're doing every day. Thank you to Marielle Van Jaarsveld, Bertina Bus, and the IFORII team for shining a light on the innovation happening across this space. 🔗 Get your copy of the report here: https://lnkd.in/ere5TaeB #ClimateRisk #InsuranceInnovation #Resilience #Insurtech #Gamechangers2026 #Arbol #IFORII

Florida homeowners' insurance premiums jumped 117% in four years. Some coastal homeowners now pay more for insurance than property taxes. And it's not just the cost. Major carriers are leaving entirely. When insurers leave, the problems compound fast: → No insurance means no mortgage → State "last resort" programs balloon beyond capacity → Home values drop 15-20% in affected markets → Taxpayers end up backstopping the whole system The core issue: traditional insurance models built on historical data that can't keep up with how quickly climate risk is changing. Storms that were "100-year events" are now hitting every few years. Reinsurance costs have exploded. And state regulations designed to help often push more insurers out the door. This isn't a temporary market correction. It's a structural shift in what it means to own property near the coast. Tony Hare, COO & CUO of Lilypad-Centauri, breaks down the full picture—what changed, why traditional solutions are failing, and what a different approach to coastal risk actually looks like. Read the full article on our site: https://lnkd.in/dfnnpbpW #ClimateRisk #Insurance #CoastalProperty #HomeownersInsurance #ClimateResilience

Arbol’s CEO Siddhartha Jha was featured this week in CNBC’s Diana Olick's Property Play newsletter on how AI is changing insurance. Key takeaway: “The AI is used for risk modeling, for operations and for understanding our risk in general. Where it adds a tremendous amount of value is efficiency, which makes you more resilient to handle a bad wildfire season or bad hurricanes.” Here’s how it works in practice: AI models geographic areas quickly—vegetation patterns, topography, wind patterns, and property-specific mitigation measures. This determines where to insure, what price to charge, and how to balance the portfolio across the capital markets. Read the story: https://lnkd.in/gGDkfxeB #CNBC #ClimateRisk #Insurance #ClimateResilience

Arbol has been named to the 2026 Global Cleantech 100. Cleantech Group's annual list spotlights the 100 most promising private companies driving scalable climate solutions worldwide. Companies are selected through a rigorous, data-driven process combining expert panel evaluation with analysis from Cleantech Group's research team. Arbol was recognized alongside wildfire detection and prevention companies Pano AI and BurnBot in the climate adaptation and resilience category — an area Cleantech Group has identified as consistently under-recognized despite multiplying weather events. We're building parametric insurance that gets payouts to policyholders in as little as two weeks after an extreme weather event. No adjusters. No lengthy claims process. Just fast, transparent coverage when people need it most. As climate volatility intensifies, the gap between what traditional insurance covers and what businesses and communities actually face continues to grow. That's the problem we're solving every day. Thank you to the Cleantech Group team and expert panel for the recognition, and to the Arbol team for the work that made it possible. 🔗 learn more here: https://lnkd.in/eccRx3ft #GlobalCleantech100 #ClimateRisk #ParametricInsurance #ClimateAdaptation #CleanTech #ClimateResilience

Agricultural insurance has a data problem. Policies run on static reports. Claims take weeks to process. Field-level conditions are invisible until it's too late. We are announcing a new partnership with Pollen Systems that intends to change all that. Our solution combines parametric insurance with real-time data from satellites, drones, and field observations. Supported by Esri and Omniris. What it means: → Underwriters see actual field conditions, not month-old reports → Claims resolve based on objective data, not manual assessments → Risk monitoring happens continuously, not at policy checkpoints. Insurers and farmers get the same live view of what's happening on the ground, in real time. The Future Is Insured Learn more about it at: https://lnkd.in/g-AizSAr At Esri FedGIS this week? Come by Booth 822 to speak with the Arbol and Pollen team members about this new approach. #ParametricInsurance #CropInsurance #AgTech #ClimateRisk #RiskManagement

Arbol will be in Miami during Reinsurance Week (Feb 9-11), connecting with the Latin American insurance community. If you're attending any of the industry events, golf tournaments, or meetings happening that week and want to discuss parametric insurance solutions for climate risk, let's connect. We would love to show you how our data-driven products can address the region's evolving insurance challenges. Please reach out to set up a meeting: https://lnkd.in/g8CdQrSq

22% of existing data centers face high or medium climate risk. That's not a projection. That's today. Our CEO Siddartha Jha spoke with IT Brew about what this means for the tech industry—and why data center operators need to rethink their approach to climate risk. The numbers tell the story: → $81 billion in potential cost increases by 2035 → Trillions in cumulative losses possible from drought, heat, flooding → Grid dependencies creating cascading failures Sid's take: "Your cost structure can be very linked to weather." The article explores how insurance—customized by region and specific hazards—provides immediate protection while the industry works on longer-term infrastructure solutions. Worth a read if you're in data center operations, cloud infrastructure, or tech strategy. Read the full piece in IT Brew: https://lnkd.in/gPP9Km5S #DataCenters #ClimateRisk #TechInfrastructure #RiskManagement #CloudComputing