GrowthLab replaces county averages and actuarial guesswork with verified, timestamped field data — giving crop insurers, agricultural lenders, and farm finance teams the ground truth they've never had access to.
The core problem in agricultural insurance and finance is information asymmetry — you're pricing risk based on regional averages while the actual risk lives at the field level. Soiltech closes that gap with three integrated layers of verified field intelligence.
Real-time soil moisture, temperature, canopy conditions, and GPS data from the actual fields you're underwriting or financing. Objective, continuous, timestamped — not self-reported.
Every spray, every input, every field activity — logged and timestamped throughout the growing season. The documented management record that separates a well-managed farm from an undocumented risk.
GrowthLab links growing conditions to outcomes — yield, quality, input cost — at the field level, across multiple seasons. That connection is what actuarial models have always needed but never had.
Agricultural risk is priced on proxies — county yields, regional weather, general soil classifications. GrowthLab provides the actual field-level data that those proxies have always been approximating. That's a fundamental shift in what's possible.
County-level yield averages obscure the variance that actually determines risk. GrowthLab's field-level outcome data — tied to verified soil conditions, management practices, and growing conditions — lets you price the field you're actually insuring.
When a grower files a claim, the question is always: what actually happened? Insights provides a timestamped, verified record of every field activity. Beacon data provides the environmental context. Claims become investigations of documented records, not he-said/she-said disputes.
Agricultural lenders assessing operating loan risk can use GrowthLab's predictive yield confidence and historical field performance data as collateral intelligence. Lending decisions informed by field-level outcome history rather than general farm credit assessments.
GrowthLab's growing dataset of field-level conditions matched to verified outcomes provides the raw material for actuarial model improvement that county-level data has never been able to support. Better data means better pricing and better loss ratios.
The difference between a well-managed and a poorly-managed farm is often invisible until a loss event. Soiltech Insights makes management practices visible and verifiable — giving underwriters and lenders a tool to differentiate risk quality they've never had.
Every season, the Soiltech network adds more fields, more labeled outcomes, and more seasons of compounding field data. The dataset grows more valuable with every grower who joins — and the intelligence it provides to risk professionals improves accordingly.
The insured or financed grower deploys Beacons and uses Insights to log all field activities. Data streams continuously from the moment of deployment — providing an objective, ongoing record.
Soil moisture, temperature, canopy conditions, frost events, and crop damage indicators are recorded continuously by Beacons. Every environmental event that affects crop outcome is timestamped and logged.
Insights records every spray, every input application, and every field activity — with timestamps, quantities, and conditions. The management record is built automatically, not assembled retrospectively.
At season end, GrowthLab links verified yield and quality outcomes back to the full season of field records. That connection — from conditions to outcomes — is the foundation of field-level risk intelligence.
Price individual field risk using verified soil type, management practice quality, historical yield outcomes, and real-time growing conditions — replacing county averages with field-specific intelligence that reflects actual risk.
When a frost event, moisture stress, or disease outbreak triggers a claim, Beacon environmental records and Insights activity logs provide an objective, timestamped account of what happened — and when. Adjudication based on verified evidence, not estimates.
GrowthLab's historical field performance and predictive yield confidence indicators give agricultural lenders a tool to assess the actual productive capacity of the land — not just the borrower's credit history.
Aggregate field-level data across your insured portfolio to understand concentration risk, identify high-risk management patterns, and build more accurate loss models. Field-level granularity at portfolio scale.
*From a case study in partnership with AT&T and The Carbon Trust
Verified, timestamped field data changes what's possible in agricultural risk. We've always had to work with approximations. GrowthLab gives us something much closer to the truth.
Talk to our team about how GrowthLab's verified field intelligence can improve your underwriting, claims, and lending decisions.