Our Vision
To empower 100 million smallholder farmers worldwide through innovative insurance and data solutions, cutting-edge technology, and actionable insights
Our Mission
We transform nature’s unpredictability into data-driven solutions that empower smallholder farmers to thrive in a changing climate.
By building the world’s largest database on smallholder farmer productivity, we unlock insights that drive the next wave of technology-driven agrarian revolution in emerging markets.
Partnering with global reinsurers, insurers, and governments, we deliver scalable, reliable agricultural insurance — turning risk into resilience and uncertainty into opportunity
$2.5 B
Agricultural Investment Protected
19+ M
Farmers Insured
12
Countries Served
110+
Insurance & Reinsurance Partners
70+
Distribution Partners
1.1 M
Data Points Collected
$122.19 M
Total Payouts
2.88 M
Farmers Paid
Our Partners
Key Milestones
2015
-
Rose Goslinga and Thomas Njeru co-found Pula, launching Africa’s first Area Yield Index Insurance product powered by field data. In the first year, Pula insured 234,000 smallholder farmers, marking a breakthrough in making agricultural insurance truly accessible and scalable across emerging markets
2016
-
Pioneered the bundling of seed with insurance through applying insurance stickers to input packaging to increase reach and affordability for farmers
2017
-
Pula selected for the Digital Financial Services Lab by the Gates Foundation
Pula launched its agricultural insurance products in Nigeria, marking its entry into West Africa
2018
-
Collaborated with Zambia's Ministry of Agriculture to insure smallholder farmers against climate risks and helped establish Zambia’s agricultural insurance consortium
-
Raised $1.7M in seed funding. Invested by Accion, Flourish, and various African prominent angel investors
2019
-
Awarded Singapore Fintech Award
2020
-
Series A Funding: Secured $6 million in Series A funding fromTLCOM, Women’s world banking, and African Risk Capacity to scale operations and enhance product offerings, insuring 4 million farmers - A record year of growth despite COVID-19 disruptions
-
We reached a billion dollars in agriculture investment insured
-
Awarded Insurance Tech of the Year by the African Insurance Awards
2021
-
Launched insurance products in Pakistan, diversifying Pula’s geographical footprint
-
Pula hits 57 distribution, 40 insurance, and 21 reinsurance partners
-
Launch of Pula Insurance Engine - The start of automation of pricing and payout systems
2022
-
Pula becomes profitable
Pula delivered the first sovereign cyclone insurance product for Mozambique
-
Insurance reaches over 30% of Zambia’s rural population via FISP, the first public private partnership at scale
-
Awarded World Economic Forum Tech Pioneer Award
2023
-
Insuring 12 million farmers, expanding operations to 84 partners across 20+ countries
-
Pioneered Human-Wildlife Conflict Compensation Fund and distributed the first payouts
In partnership with the President of Kenya, we launched an innovative Human-Wildlife Conflict (HWC) Compensation Fund, ensuring that affected households receive compensation while fostering peaceful coexistence between communities and wildlife.
2024
April
Closed Series B funding to scale Financial Resilience
We successfully closed our Series B funding, bringing in key investors such as Blue Orchard, Bill & Melinda Gates Foundation, Hesabu, and Women's World Banking, enabling us to scale insurance solutions to millions more farmers.
Executing Ethiopia’s largest crop insurance compensation program
Over 51,000 smallholder farmers in the Amhara region received a total payout of approximately USD 675,000 to offset losses from climate-related perils, demonstrating the result of public-private partnership
August
August Kicked off EUDR Compliance Initiative with UCDA
We launched a nationwide effort in Uganda, working with coffee exporters and the government to register over 600,000 farmers, safeguarding over $1 billion in coffee exports to Europe. This success reinforces the role of insurance in securing global trade for African farmers.
September
TIME100 Global Recognition
Pula’s CEO Thomas Njeru, was named to the TIME100 Next list of emerging leaders, recognizing our role in shaping the future of climate resilience and financial inclusion for smallholder farmers
October
Hosted Africa’s largest crop insurance payout in Zambia
We executed Africa’s largest insurance payout in Zambia, with over 800,000 farmers receiving $29M in compensation after devastating droughts—proving the critical role of insurance in climate resilience.
Awards
2019 Global FinTech Hackcelerator
2021 InsurTech of The Year Award
Meet Our Team
Connect with Pularians to learn more about the work that we do
THE BOARD
Michael is the non-executive Chairman of Pula’s Board, bringing decades of leadership experience in telecommunications, financial inclusion, and large-scale innovation across Africa. Michael is best known as the founding CEO of Safaricom. He currently serves on several high-profile boards including Safaricom and the M-PESA Foundation, and is the former Chairman of Kenya Airways.
Maurizio is a non-executive director on Pula’s Board, representing TLcom Capital, Pula’s Series A lead investor. He is the Founder and Managing Partner of TLcom and brings more than 20 years of venture capital experience across Europe, Africa, and emerging markets. Maurizio brings deep expertise in scaling tech-driven businesses and supporting high-growth startups to navigate strategic inflection points in dynamic markets.
Martin serves as a non-executive director on Pula’s Board, representing the International Finance Corporation (IFC). With a career spanning global development finance, Martin brings critical experience in deploying private capital to drive inclusive innovation. At IFC, he has supported impactful investments in agrifinance and climate resilience, and contributes valuable global perspective to Pula’s mission.
Richard is a non-executive director on Pula’s Board, representing BlueOrchard, the lead investor in Pula’s Series B round. He brings over two decades of experience in impact investing and climate finance. At BlueOrchard, Richard has led investments that bridge commercial returns with measurable social impact. His expertise guides Pula’s efforts to scale agricultural insurance and climate adaptation solutions for underserved communities.
Thomas Njeru is the Co-Founder and CEO of Pula, leading the company’s mission to de-risk smallholder farmers through innovative insurance solutions. With a strong background in actuarial science and insurance, Thomas has played a key role in developing and scaling agricultural insurance across multiple countries.
Rose Goslinga is the Co-Founder and President of Pula, where she drives strategic partnerships and expansion into new markets. Passionate about financial inclusion, she has pioneered the development of insurance products tailored for smallholder farmers. Before Pula, Rose led Kilimo Salama, an initiative that brought weather index insurance to farmers in East Africa. She is a recognized thought leader in agricultural insurance and climate resilience.
Leadership Team
Thomas Njeru is the Co-Founder and CEO of Pula, leading the company’s mission to de-risk smallholder farmers through innovative insurance solutions. With a strong background in actuarial science and insurance, Thomas has played a key role in developing and scaling agricultural insurance across multiple countries.
Rose Goslinga is the Co-Founder and President of Pula, where she drives strategic partnerships and expansion into new markets. Passionate about financial inclusion, she has pioneered the development of insurance products tailored for smallholder farmers. Before Pula, Rose led Kilimo Salama, an initiative that brought weather index insurance to farmers in East Africa. She is a recognized thought leader in agricultural insurance and climate resilience.
Sarfraz Shah oversees revenue growth and business development at Pula, ensuring that the company continues to scale its impact. He has extensive experience in financial services, insurance, and commercial strategy. His work focuses on expanding Pula’s global footprint by forging partnerships with governments, financial institutions, and agribusinesses.
Nabil Janmohamed leads Pula’s field operations, overseeing data collection, farmer engagement, and insurance distribution. With extensive experience in rural outreach, he ensures Pula’s solutions reach the farmers who need them most.
Joyce manages Pula’s partnerships with stakeholders in Zambia with more than 10 years of experience in the agriculture sector as an agri entrepreneur in the agro dealer sector. She has a background in agriculture, having previously worked as an agro-dealer for Vital Thelcho Investments. Prior to this, she worked for the Zambian Auditor General’s Office.
Amitoj Singh leads the insurance team that is in charge of product development, actuarial pricing and payouts. As a qualified actuary, Amitoj has a decade of experience in the actuarial and product development fields focussed on inclusive insurance.
Suki is a Commercial Director at Pula leading key markets in Africa and Asia. He brings about 15 years of experience in private sector consulting, government advisory and politics. He is a committed implementer of progressive action in the Global South.
Peter Muchina oversees Pula’s technology infrastructure and innovation, ensuring seamless data integration and platform efficiency.
Fiona Hoffman-Harland leads Pula’s strategic consulting partnerships, expanding the company’s reach through public, private, and social sector collaboration. She brings over a decade of experience scaling early stage ventures across Africa through improved strategy, governance, and operations.
Karen Rieckmann, Head of Field Operations at Pula, leads large-scale data collection and management for yield assessment, EUDR compliance, and farmer registration across 10 African and Asian markets. She manages over 5,000 enumerators and Pula’s data analytics team, engaging with farmers in rural areas to implement data-driven solutions.
Nishant Khetani, our Head of Insurance Operations, is an actuarial professional specializing in parametric and inclusive insurance solutions. With a strong foundation and 7 years of experience in new product development, actuarial pricing, reinsurance placement, and payouts, he brings innovative and data-driven approaches to risk management in emerging and underserved markets
Pierre Sagara leads Pula’s operations in Francophone West Africa, ensuring the smooth implementation of agricultural insurance solutions. He is responsible for raising awareness, providing education, and building strategic partnerships with key governments across the region.
Dr. Ruth Ncube leads Pula’s initiatives in Southern Africa, focusing on building strategic partnerships and expanding insurance accessibility.
Dagmawi Haileyesus Assefa, Pula’s Country Director in Ethiopia, drives partnerships with governments, development organizations, and the private sector to enhance smallholder farmers' resilience through insurance and data services. He helped launch Ethiopia’s largest crop insurance scheme, through a delivery channel that reaches 7.5M farmers.
Erastus Maingi is the Country Manager for Kenya at Pula, leading strategic engagements with the Government of Kenya and private sector partners. With extensive B2G experience, he collaborates with government agencies and stakeholders to deliver innovative insurance solutions for smallholder farmers. Erastus is committed to enhancing farmer resilience and productivity through insurance and data-driven services.
Elisa Manhique manages Pula’s programs in Mozambique, focusing on sustainable agricultural practices. With extensive experience working with Government and private sector to deliver solutions that builds resilience to the farmers and protection of the investment being done by the government of Mozambique in the Agriculture sector.
Mpundu manages Pula’s Zambia market and contributes to the development and management of agricultural insurance products, strategic oversight of insurance units, and the establishment of sales and risk management frameworks.
Dr. Michael Enahoro oversees Pula’s projects in Nigeria, focusing on new agric insurance products, supporting the development and scaling of farmer access to insurance, EUDR compliance, and introduction of climate smart agricultural farming products and services.
Ivan has expertise in business development, contract negotiation, and customer relationship management. He has successfully secured national projects for mapping farmer data in response to the European Union Deforestation Regulation and is actively working on key insurance deals with the Ministry of Agriculture, driving business growth in Uganda.
