70% of Kenyans depend on agriculture. Most have no insurance. When drought hits, they lose everything. We're changing that.
Kenya's 5+ million smallholder farmers face drought, floods, pests, and disease every season. Traditional insurance doesn't reach them — it requires bank accounts, smartphones, claims forms, and loss assessors.
Traditional crop insurance premiums are out of reach for smallholders farming 1-2 acres.
Loss assessment takes weeks. By the time a claim pays, the farmer has already sold assets or taken high-cost loans.
Insurance offices are in Nairobi. Farmers are in rural counties. The distance kills the relationship.
We removed every barrier: smartphones, bank accounts, paperwork, and loss assessors. What's left is a phone call and M-Pesa.
Every feature phone in Kenya can dial *384#. No download, no data bundle, no smartphone. The menu is in Swahili and local languages.
Weather-index insurance uses satellite rainfall data to trigger payouts automatically. No one has to visit the farm. No one has to argue about whether the rain was enough.
Premiums and payouts both flow through M-Pesa. 98% of Kenyan adults have M-Pesa. Fewer than 30% have a bank account.
We work through SACCOs, cooperatives, and agro-dealers — the people farmers already trust. No Modela office in every county; the community is the channel.
Every farmer controls their data. Credit-referral consent is separate and withdrawable. Sharing stops the moment they say so. Full audit trail, always.
We don't go direct to farmers. We work through the cooperatives, SACCOs, and agro-dealers who already serve them. Their trust is our distribution.
Persistency rates, renewal timing, credit referrals — the more farmers we cover, the better the data, the better the pricing, the better the products.
Whether you're a farmer, a partner, or someone who wants to help — we'd love to talk.