We design and deliver best in class yield index insurance products to protect farmers

Against a wide range of climate risks including drought, excessive rainfall, pests and diseases, and several other perils that negatively affect their yields. We partner with local insurance companies and global reinsurance firms to underwrite risk.

Pula handles product design, risk placement, farmer education, claims assessment, and payouts.

Area Yield Index Insurance

Pula’s Yield Index Insurance (YII) covers all risks that affect yield. YII cover insures the value of the purchased inputs against low yield, and would replace the purchase to registered farmers at the end of the season. Under this cover, the country is divided  into agro-ecological zones (AEZs) based on historical rainfall, temperatures, prior yields etc, and average historical yield data is determined for each zone based on past data.

At the end of the season, trained enumerators measure yield levels for each agro-ecological zone. With this information, farmers will receive compensation if yields in a specific agro-ecological zone are below a determined trigger level.