Products & Services

From crop insurance to data-driven services, we innovate to empower smallholder farmers and businesses and to build climate resilience

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EUDR Compliance Services

Ensuring Export Access. Empowering Farmers. Strengthening Supply Chains.

With the EU Deforestation Regulation (EUDR) coming into effect, agribusinesses face mounting pressure to meet new traceability and sustainability requirements or risk losing access to the European market. In Uganda alone, where 70% of coffee is exported to Europe, failure to comply could mean billion in lost export value. Pula’s EUDR Compliance Services offer end-to-end, scalable, and field-proven solutions that help agribusinesses, governments, and exporters achieve compliance—while empowering smallholder farmers through traceability and access to finance.

What Is Pula’s EUDR Solution?

Pula’s EUDR Compliance Services digitize and verify the supply chain from farm to export. The system integrates geo-spatial data, verified farm polygons, digital farmer IDs, and a central traceability platform, all in line with EU regulations. Pula’s solution is certified by Meridia, a leading independent verifier, and is actively deployed across Uganda, where Pula has mapped over 800,000 farmers and helped protect over $1 billion in coffee export value.

How it Works

Readiness Assessment

We provide a compliance readiness questionnaire, expert consultation, and a SWOT analysis of existing practices to build a customized game plan.

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Farmer Registration & Mapping

We conduct farmer registration and polygon mappings.

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Risk Assessment & Mitigation

We conduct a comprehensive risk assessment of agricultural supply chains to identify and address potential risks related to deforestation, commodity legality, and compliance with EUDR requirements.

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Key Benefits

EU Market Access

Comply with EUDR and avoid export bans or financial penalties

Farmer Empowerment

Verified farmer data enables access to credit, insurance, and other services

Certified & Scalable

Meridia-certified for compliance and built for scale across millions of farmers

Real-Time Visibility

From harvest to export, traceability data is tracked and accessible

De-Risked Supply Chains

Transparent systems reduce reputational and financial risk for exporters

Area Yield Index insurance
(AYII)

As climate change accelerates, smallholder farmers across Africa face increasing threats to their livelihoods. Droughts, floods, pests, and erratic weather patterns are becoming more frequent and more severe, yet few farmers have access to financial tools that protect them against these risks.

What Is Pula’s AYII Solution?

Pula’ s Area Yield Index Insurance compares actual yields at the end of the season to a pre-set historical average for a given Agro-Ecological Zone (AEZ). When yields fall below this benchmark due to drought, floods, pests, or other climate shocks, affected farmers automatically receive payouts.

How it Works

Product Design & Agro-Zoning

We design insurance products tailored to local farming systems and climate realities. Using satellite, rainfall, and yield data, we divide regions into Agro-Ecological Zones (AEZs), each with a defined historical yield average that forms the payout benchmark.

Farmer Registration & Education

We launch education campaigns during registration season to ensure farmers understand their insurance coverage, benefits, and how payouts are triggered. Our Mavuno registration app is mobile-friendly and built to scale across millions of farmers.

Yield and Loss Assessment

At harvest, we conduct Crop Cut Experiments (CCEs), a standardized, scientific method for measuring actual yields on sampled farmer plots within each Agro-Ecological Zone. Trained field agents harvest a representative portion of a farmer’s field, measure the output, and use that data to estimate average yields across the zone. This yield data is then compared against the pre-agreed yield threshold defined in the insurance policy.

Payout Calculation & Reporting

If actual yields fall below the pre-defined threshold, farmers receive insurance payouts. All results are verified by our actuaries and shared through transparent reporting to stakeholders, ensuring trust and accountability.

Key Benefits

Reliable, Transparent Payouts

Based on field-verified Crop Cut Experiments (CCEs), AYII ensures objective and trusted claim assessments, reducing disputes and building farmer confidence.

Affordable and Scalable

By insuring entire Agro-Ecological Zones, AYII reduces administrative costs and enables cost-effective protection for millions of farmers across wide geographies.

Empower Farmers to be Resilient Against Climate Shocks

Covers multiple climate-related risks supporting farmers recover, reinvest, and maintain productivity even after poor seasons.

Strengthens Food Security and Gender-inclusive Economic Development

By stabilizing farmer income and production, AYII contributes to broader goals of national food security and with over 40% of Pula’s benefic being women, helping bridge gender gaps in agricultural finance

Hybrid Livestock Insurance

Across Africa, millions of pastoralist families rely on livestock not just for income, but for food, security, and dignity. Yet today, their way of life is under threat. Climate change, recurrent droughts, grazing shortages, livestock diseases, and growing farmer-herder conflict are driving devastating losses in productivity and household income. In regions like Ethiopia and northern Nigeria, pastoralists walk up to 600 km in search of pasture due to vegetation loss.

Despite these risks, less than 1% of pastoralists are covered by insurance. The reasons are clear: traditional indemnity-based insurance is costly, slow, and difficult to administer in rural contexts. Index insurance, while scalable, often fails to cover the full range of risks faced by livestock owners — particularly diseases, theft, and injury.

What’s Pula’s Hybrid Livestock Insurance?

Pula’s Hybrid Livestock Insurance bridges the gap between traditional and index-based models, offering comprehensive and affordable protection tailored to the realities of pastoralist life. Pula’s Hybrid Livestock Insurance product combines the best of index-based and indemnity-based approaches to provide comprehensive, cost-effective coverage to ensure that herders are covered for the full spectrum of risks they face.

How it Works

Parametric Coverage for Drought

When drought conditions prevent adequate grazing, herders receive timely payouts to purchase fodder or support their herds. These payouts are triggered using satellite data that monitors vegetation and rainfall in real-time.

Indemnity Coverage for Livestock Death
& Theft

Pula deploys trained rural agents, often local youth, to verify claims through ear-tagging, photo documentation, and mobile apps. This reduces fraud, speeds up processing, and builds local trust in the system.

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Timely Claims Verification & Local Employment

Beyond safeguarding herders, our hybrid livestock insurance model also delivers positive ripple effects in rural employment and capacity building. The program employs local youth as trained Pula Field Agents, who play a vital role in the insurance delivery chain: conducting animal ear-tagging, verifying claims, collecting data, and raising awareness about insurance within their communities.

Key Benefits

Comprehensive Protection for Livestock-Dependent Households

Combines parametric coverage for drought-related grazing loss with indemnity payouts for livestock death, theft, or injury - offering broader protection than index-only or traditional insurance models

Faster, More Efficient Claims Processing

Digital tools and trained local agents enable real-time mobile loss reporting, photo verification, and ear-tagging: reducing claim reporting time from several days to within 24 hours

Designed for Scale in Remote Areas

Satellite-triggered drought payouts and mobile-based verification systems reduce administrative costs and fraud, making the model scalable even in hard-to-reach pastoralist communities

Local Job Creation and Capacity Building

Employs rural youth as Pula Field Agents, creating dignified digital jobs for claim verification, ear-tagging, and community education, enhancing trust and rural resilience

Public-Private Partnership Consulting

Our Public-Private Partnership (PPP) Consulting brings together governments, development organizations, and private sector actors to unlock scalable, data-driven solutions to improve smallholder farmer climate resilience.

Our approach combines robust internal knowledge: including actuarial expertise, operational experience, technical know-how, and the world’s largest emerging market yield database with global insights on markets, regulations, and best practices. This combination allows us to co-create strategies and interventions that are not only ambitious but also implementable.

Our tailored consulting services

Market, Feasibility, and Impact Studies

Country-level research that assesses the viability of agricultural insurance and risk management interventions, using desk and field research. This work is backed by Pula’s yield database, the largest in the world.

Capacity Building

Pula conducts a variety of workshops, exchange visits and capacity building activities tailored to clients needs. A few examples include:

Government: Incorporate insurance into government policy, budget, and food security and natural disaster plans,
Agribusiness and Financial Institutions: Embed technical insurance products into financial institutions' loans,
Farmers: Work with local youth and leaders to implement train-the-trainer, digital, or direct workshop capacity building for farmers.

Product Development and Piloting

Co-designing, piloting, and scaling innovative insurance solutions with both public and private partners.

A Track Record of Impact Across Africa

Pula has worked with a wide range of partners, including multilateral banks, ministries of agriculture and finance, foundations, and private agribusinesses, on consulting engagements that span feasibility, capacity building, and policy shaping.

Data services

Across Africa and Asia, governments are under increasing pressure to digitize their agricultural systems, deliver better services to farmers, and meet global standards on traceability and sustainability. With a presence in over 12 countries and more than a decade of experience, Pula delivers scalable, tech-enabled data solutions that help governments modernize national systems while improving efficiency, resilience, and international market readiness.

What Is Pula’s Data Services Solution?

Pula’s Data Services provide end-to-end digital infrastructure for agricultural transformation from farmer registration and geospatial mapping to real-time data collection, yield monitoring, and climate risk profiling. Our tools are trusted by governments and global development partners to inform policy, guide investments, and comply with international frameworks such as the EU Deforestation Regulation (EUDR).

How it Works

Farmer Registration & Geo-Mapping

We register farmers and map their land boundaries at scale-capturing verified biodata and GPS polygons. This forms the backbone of national farmer registries, supporting input distribution, subsidy programs, and compliance with international traceability standards like the (EUDR).

Climate Risk Profiling

Using satellite imagery and historical climate data, we help governments understand and manage risks like drought, deforestation, and extreme weather - enabling better planning and climate resilience.

Traceability & Compliance

From coffee and cocoa to palm oil and cereals, our traceability tools help countries meet global standards like EUDR-ensuring sustainable exports and continued market access.

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Tech-Driven Field Data Collection

Our mobile platform, MAVUNO, powers real-time, offline-enabled data collection across rural areas feeding directly into national dashboards and monitoring systems.

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Yield Estimation & Impact Monitoring

Through proven methods like Crop Cutting Experiments, we provide accurate yield data and track program performance supporting better decisions and smarter investments.

Data Quality & Analytics

We ensure every data point is reliable through layered verification, live dashboards, and tailored reports for ministries and development partners.

Capacity building & Secured System Integration

We train field teams and ministry staff, while integrating all collected data into existing national systems ensuring local ownership and long-term sustainability.

Key Benefits

Proven Track Record

Over 30 million farmers reached, with solutions trusted by leading Ministries of Agriculture and global partners including USAID, IFAD, and GIZ

End-to-End Solution

From data collection to dashboard integration and analytics

Global Compliance Ready

Built for EUDR and other international standards

Built for Scale

Proven in over 12 countries, with robust tools for national-level deployment

Products & Services

Area Yield Index insurance (AYII)

What Is Pula’s AYII Solution?

How it Works

Product Design & Agro-Zoning

Farmer Registration & Education

Yield and Loss Assessment

Payout Calculation & Reporting

Key Benefits

Reliable, Transparent Payouts

Affordable and Scalable

Empower Farmers to be Resilient Against Climate Shocks

Strengthens Food Security and Gender-inclusive Economic Development

Area Yield Index insurance
(AYII)