# Arbol

> Arbol is a New York-based climate-risk company that designs parametric insurance, reinsurance and weather derivatives for businesses exposed to rain, heat, wind, snow, storms and wildfire. Its pitch is simple: agree on a measurable trigger in advance, monitor trusted data, and pay when the trigger is met - without waiting for a conventional damage inspection. Behind that simple contract sits an integrated stack of climate data, AI-assisted underwriting, digital distribution and risk capital.

- **Founded:** 2018
- **Headquarters:** New York, United States
- **Founders:** Siddhartha (Sid) Jha (Founder, Chairman and CEO), Osho Jha (Co-founder and Chief Data Scientist), Philippe Heilberg (Co-founder), Ben Andre (Co-founder and CTO)
- **Team size:** Approximately 110 employees, according to supplied company metadata
- **Products:** Parametric weather insurance, Weather derivatives, Arbol broker platform, Named storm parametric reinsurance, Lilypad Insurance
- **Notable:** More than $2 billion in notional risk transferred, according to Arbol's website., Products used in more than 15 countries, according to the company., $250 million in gross written premium transacted in 2023, according to its Series B announcement.

## Products & services

- **Parametric weather insurance** — Custom and broker-distributed coverage tied to objective triggers for precipitation, temperature, wind, snowfall, solar irradiance and soil moisture.
- **Weather derivatives** — Index-linked financial contracts for businesses, including agriculture and energy companies, seeking to hedge weather-driven revenue risk.
- **Arbol broker platform** — Digital quoting, application, pricing and policy infrastructure for agents and brokers building client-specific parametric coverage.
- **Named storm parametric reinsurance** — Customized reinsurance layers for primary insurers, using portfolio data, wind-speed and distance-band payout factors; Arbol says qualifying payments are typically made within 30 days.
- **Lilypad Insurance** — An affiliated coastal-property carrier launched to serve homeowners and property investors in catastrophe-exposed communities, initially in Louisiana.
- **Parametric wildfire coverage** — Commercial and residential property coverage up to $10 million for high-risk areas in Western U.S. states, backed by Somers Syndicate.
- **Climate risk capital solutions** — Reinsurance treaties, collateralized capacity and insurance-linked securities designed to connect institutional capital with climate-linked risks.

## Achievements

- More than $2 billion in notional risk transferred, according to Arbol's website.
- Products used in more than 15 countries, according to the company.
- $250 million in gross written premium transacted in 2023, according to its Series B announcement.
- Arbol Insurance Services became an approved Lloyd's coverholder in 2023.
- A $10 million parametric reinsurance payout to Centauri following Hurricane Ian.
- $20 million in Hurricane Milton parametric payouts delivered within 30 days, according to Arbol.
- Agribuddy used Arbol-backed protection to facilitate $1.5 million in unsecured credit for Cambodian smallholder farmers.
- Named to the 2026 Global Cleantech 100.

## Latest updates

- **2026-06** — Industry coverage reported that Arbol introduced parametric industry loss warranties for hurricane risks.
- **2026-05** — Founder Sid Jha discussed Arbol's climate-risk model in new InsurTechTalk and Top Producer podcast interviews.
- **2026-02** — Arbol and Pollen Systems announced an agricultural parametric product using remote-sensing data.
- **2026-01** — Arbol was included in Cleantech Group's 2026 Global Cleantech 100.
- **2025-09** — Arbol launched parametric wildfire coverage with limits up to $10 million, backed by Somers Syndicate.
- **2024-04** — Arbol closed a $60 million Series B led by Giant Ventures and Opera Tech Ventures, with Mubadala Capital participating.

## Links

- Website: https://www.arbol.io/
- LinkedIn: https://www.linkedin.com/company/arbolinc/
- Twitter/X: https://twitter.com/arbolmarket
- GitHub: https://github.com/arbol-Project
- Facebook: https://www.facebook.com/arbolmarket/

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Profile page: https://yespress.io/arbol
Published by YesPress — https://yespress.io
Last updated: 2026-08-14