PULA Insurance
PULA

Solution Overview & Benefits
Pula is an agricultural insurance and technology company that designs and delivers innovative insurance products and digital tools to help smallholder farmers manage climate risks and improve their livelihoods.
Benefits:
- Climate Risk Protection: Provides coverage against droughts, floods, pests, and diseases, safeguarding farmers' investments.
- Increased Productivity: Access to insurance encourages farmers to invest more in quality inputs, leading to higher yields.
- Financial Resilience: Quick payouts enable farmers to recover swiftly from losses, maintaining their income stability.
- Accessible Solutions: Utilizes digital platforms and partnerships to make insurance affordable and reachable for smallholder farmers.
Pula’s Yield Index Insurance (YII) covers all risks that affect yield. The 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.
History & Development
Pula is a Kenya-based agricultural insurance and technology company founded in 2015 by Rose Goslinga and Thomas Njeru. Recognizing the vulnerability of smallholder farmers to climate-related risks, they aimed to provide accessible and affordable insurance solutions tailored to these farmers' needs.
Since its inception, Pula has expanded its operations beyond Kenya, serving over 20 million farmers across Africa, Asia, and Latin America.
The company partnered with seed and fertilizer providers to bundle insurance with agricultural inputs, simplifying the adoption process for farmers and ensuring broader reach.
Availability
- Countries available in: 22 countries across Africa, Asia, Latin America
- Publicly available: yes
- Price: Contact solution provider
Specifications
Additional Information
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