Arbol provides data-triggered parametric climate risk insurance, using AI and blockchain to price and transfer weather-related risk for businesses worldwide.
Arbol, founded in 2018, provides parametric insurance solutions that help businesses manage climate risk through data-triggered coverage, combining artificial intelligence with blockchain technology. Its non-CAT parametric climate risk products pay out on objective data triggers rather than subjective assessments, delivering swift and scalable protection against extreme weather events. The company ranks as the number-one writer of global non-CAT parametric climate risk products and has transferred over $2 billion in notional risk, operating across more than 15 countries.
The engineering work is substantial and technically diverse. Arbol has built a proprietary AI underwriter that delivers automated, instant pricing while maintaining transparency and cost efficiency, alongside the data infrastructure that supports it. The stack spans AI/ML, blockchain, automated underwriting and pricing, climate risk modelling, and satellite and environmental data analytics - disciplines that must be reconciled in a system where pricing accuracy and payout objectivity are the product.
The company serves clients across agriculture, energy, travel, and the wider climate risk and insurance sector. Half of its client base consists of businesses that would not traditionally have access to climate risk products, reflecting a stated commitment to democratising climate resilience. That reach - global in scope, yet directed at firms historically excluded from coverage - shapes both the technical problem and the standards of transparency and cost efficiency the company sets for its own systems.
