Arbol

Arbol is a global climate risk solutions platform providing parametric and traditional insurance and weather derivatives. Founded in 2018 and headquartered in New York, Arbol combines AI/ML-driven underwriting, institutional-grade climate data sourced from NOAA, NASA and ESA, and dedicated risk capital to close the global insurance protection gap. Coverage spans agriculture, energy, travel, wildfire and reinsurance, with parametric products that pay out on objective weather triggers rather than loss adjustment. Its licensed underwriting arm, Arbol Insurance Services, holds binding authority from an A.M. Best "A" rated carrier and Lloyd's coverholder status, and distributes named storm, precipitation, temperature, wind, snow, solar and soil-moisture products through licensed producers across all 50 U.S. states and the United Kingdom. Arbol does not publish a public developer API — the quoting, binding and policy-issuance surface is delivered through its broker/agent web platform.

Arbol is profiled on the APIs.io network. Tagged areas include Company, Insurance, Parametric Insurance, Climate Risk, and Weather.

Arbol’s developer surface includes developer portal, documentation, getting-started guide, support, engineering blog, legal docs, and 23 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

23.6/100 emerging ▬ flat Agent 0/100 human only Front door AI 4/6 moderate Heartbeat 69/100 alive saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

0 APIs

Company Insurance Parametric Insurance Climate Risk Weather Reinsurance Climate Data Agriculture Energy Risk Management

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 23.6/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 6.5 / 17

Access Clarity 8.3 / 17

Operational Transparency 0.5 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 2.4 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/arbol/"><img src="https://apis.io/badge/arbol/card.svg" alt="Arbol on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

Raise your score.

Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document Ask about this →
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey) Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →

13 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points Ask about this →
Operational Transparency scores 4.8 — up to +12.4 composite points Ask about this →
Developer Ergonomics scores 38.1 — up to +12.4 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/arbol/apis.yml: open an issue on github.com/api-evangelist/arbol to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Terms of Service 1

What its API terms permit and prohibit, quoted from its own page.

Arbol

6 quoted statements, read from Arbol's own page on 2026-11-09.

TERMS

Privacy & Data 1

Its role, the data it processes, retention and transfers, quoted from its own privacy page.

Arbol

15 quoted statements, read from Arbol's own page on 2026-11-09.

PRIVACY

Eligibility 1

Who may sign up and where, quoted from its own terms.

Arbol

1 quoted statement, read from Arbol's own page on 2026-11-09.

ELIGIBILITY

AI Preferences 1

Its stance on AI training, inference and agents, quoted from its own pages.

Arbol

1 quoted statement, read from Arbol's own page on 2026-11-09.

AI PREFS

Data License 1

How its data and outputs may be reused, quoted from its own terms.

Arbol

2 quoted statements, read from Arbol's own page on 2026-11-09.

LICENSE

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Arbol Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

Portal

Portal

GettingStarted

GettingStarted

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

AIPreferences

AIPreferences

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Compliance

Compliance

Operate 2

Status, limits, changes, and where to get help

Support

Support

HelpCenter

HelpCenter

Commercial 5

Pricing, plans, and the legal terms of use

TermsOfService

PrivacyPolicy

Legal

UsageTerms

DataLicense

Company 7

The organization behind the API

Website

Blog

Press

Careers

About

LinkedIn

Twitter

Twitter

Scroll for all 7

Other 4

Properties that don't map to a standard resource type

CaseStudies

Events

DataProcessing

Eligibility

Source (apis.yml)

aid: arbol
name: Arbol
description: Arbol is a global climate risk solutions platform providing parametric and traditional insurance and weather
  derivatives. Founded in 2018 and headquartered in New York, Arbol combines AI/ML-driven underwriting, institutional-grade
  climate data sourced from NOAA, NASA and ESA, and dedicated risk capital to close the global insurance protection gap. Coverage
  spans agriculture, energy, travel, wildfire and reinsurance, with parametric products that pay out on objective weather
  triggers rather than loss adjustment. Its licensed underwriting arm, Arbol Insurance Services, holds binding authority from
  an A.M. Best "A" rated carrier and Lloyd's coverholder status, and distributes named storm, precipitation, temperature,
  wind, snow, solar and soil-moisture products through licensed producers across all 50 U.S. states and the United Kingdom.
  Arbol does not publish a public developer API — the quoting, binding and policy-issuance surface is delivered through its
  broker/agent web platform.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-13'
  method: derived
image: https://cdn.prod.website-files.com/6072644b22bcca3aacb3fc07/660df5808303b10f0696f1c9_logo-arbol-dark.svg
url: https://raw.githubusercontent.com/api-evangelist/arbol/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: no-public-api-surface
specificationVersion: '0.23'
created: '2026-08-02'
modified: '2026-08-02'
tags:
- Company
- Insurance
- Parametric Insurance
- Climate Risk
- Weather
- Reinsurance
- Climate Data
- Agriculture
- Energy
- Risk Management
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/arbol-domain-security.yml
- type: Website
  url: https://www.arbol.io/
- type: Portal
  url: https://www.arbol.io/solutions/platform
- type: Documentation
  url: https://www.arbol.io/help-center
- type: GettingStarted
  url: https://www.arbol.io/help/agents-brokers/the-basics
- type: Support
  url: https://www.arbol.io/contact
- type: HelpCenter
  url: https://www.arbol.io/help-center
- type: Blog
  url: https://www.arbol.io/blog
- type: GitHubOrganization
  url: https://github.com/Arbol-Project
- type: Login
  url: https://app.arbol.io/
- type: TermsOfService
  url: https://www.arbol.io/terms-of-use
- type: PrivacyPolicy
  url: https://www.arbol.io/privacy-policy
- type: CaseStudies
  url: https://www.arbol.io/case-studies
- type: Press
  url: https://www.arbol.io/media-and-press
- type: Events
  url: https://www.arbol.io/events
- type: Careers
  url: https://www.arbol.io/careers
- type: About
  url: https://www.arbol.io/company
- type: LinkedIn
  url: https://www.linkedin.com/company/arbolinc
- type: Twitter
  url: https://x.com/ArbolMarket
- type: LLMsTxt
  url: llms/arbol-llms.txt
- type: Packages
  url: packages/arbol-packages.yml
- type: Conformance
  url: conformance/arbol-conformance.yml
- type: Compliance
  url: https://insurance.arbol.io/license-information
- type: Legal
  url: https://insurance.arbol.io/legal-policies
- type: UsageTerms
  url: terms/arbol-terms-of-service.yml
- type: DataProcessing
  url: privacy/arbol-privacy-policy.yml
- type: Eligibility
  url: eligibility/arbol-eligibility.yml
- type: AIPreferences
  url: ai-preferences/arbol-ai-preferences.yml
- type: DataLicense
  url: data-license/arbol-data-license.yml
x-enrichment:
  date: '2026-08-02'
  status: enriched
  artifacts_added: 9
  pass: local-v1
x-enrichment-note: Arbol publishes no public developer API. Contract discovery (2026-08-02) probed www.arbol.io, insurance.arbol.io,
  insurance.arbol.uk, app.arbol.io and arbolmarket.com for OpenAPI, Swagger, GraphQL introspection, MCP tools/list, A2A agent
  cards and the /.well-known/ surface; every path returned 404 (app.arbol.io GraphQL paths returned 403 from an edge WAF).
  The only machine-readable artifacts the company publishes are llms.txt files on three of its marketing hosts.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/arbol"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/arbol/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/arbol/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.