We design forward-thinking products to protect pastoralists from loss of livestock due to climatic events that affect pasture production.

Pula’s Index-Based Livestock Insurance (IBLI) covers pastoralists when pastoral rangelands for grazing are not sufficient, often due to drought or delayed rains. This comes in the form of an asset protection insurance program.

Index-Based Livestock Insurance

Pula’s Index-Based Livestock Insurance (IBLI) is a comprehensive insurance cover that consists of dekadals (10-day periods) running for one year within which pastoralists are protected when their land for grazing is not sufficient. They are protected against damage to grassland caused by a variety of risks.

The purpose of the cover is to respond to the onset of severe droughts and loss of pasture and grazing reserves by making timely payouts to vulnerable farmers, enabling them to purchase supplementary livestock feed, transport the animals to better grazing land, or for sale, create water bodies as communities in order to keep their core breeding animals alive during the droughts. As such this is a large-scale asset protection cover.

The index is determined using satellite Normalised Difference Vegetation Index (NDVI) data. NDVI is a measure of the greenness and healthiness of plants on the ground.