Seasonal protection layers
Stack crop, livestock, input-linked and credit-bridge cover across the year. Each layer pays when its trigger is met — no claim form required.
KLIP, KAIP and DRIVE — real programmes, reachable through partners
KLIP (Kenya Livestock Insurance Programme)
Index-based livestock cover for pastoralists in arid and semi-arid counties. Premiums are subsidised and payouts are triggered by satellite-measured pasture conditions, not individual loss assessments.
KAIP (Kenya Agriculture Insurance Programme)
Crop insurance bundled with area-yield or rainfall indices. Eligible smallholders receive premium support so cover costs less than commercial crop insurance.
DRIVE (De-Risking, Inclusion and Value Enhancement)
A World Bank-supported programme that expands index insurance to farmers and pastoralists previously left out of formal insurance markets.
Modela helps farmers access these government-backed programmes. Listing them does not mean the government endorses Modela.
One agricultural year, three layers
Plant
Crop Cover
Grow
Crop Cover
Harvest
Crop Cover
Dry season
Livestock Cover
Rest
Livestock Cover
Crop Cover
Rainfall and area-yield cover for maize, beans, sorghum and other staples. Government premium subsidy handled automatically where it applies.
Who it is for
Smallholders enrolled through SACCOs, cooperatives and agro-dealers in participating counties.
Livestock Cover
Pasture-index and mortality-linked cover for cattle, goats and sheep across Kenya's ASAL counties.
Who it is for
Pastoralists and agro-pastoralists in counties covered by KLIP or DRIVE, enrolled via SACCOs, chamas or livestock markets.
Input-Linked Cover
Insurance bundled with seed, fertiliser, feed or other inputs at the point of sale. NASIP Flagship 2 states that input bundles will automatically be covered by agricultural insurance — index-based or otherwise — making this a mandated, rapidly growing distribution channel.
Who it is for
Farmers buying inputs through partner agro-dealers, cooperatives or embedded finance platforms.
Credit Bridge
NASIP explicitly cites insurance to de-risk lending and credit-and-insurance bundling through microfinance. With your separate consent, verified farm and insurance data supports loan eligibility with SACCOs, AFC and asset lenders. Modela never lends or holds the loan.
Who it is for
Enrolled farmers and pastoralists who separately consent to credit referral.
Which cover fits your farm?
Select what you farm and where. We will show the programmes Modela can layer for you.
Choose crop or livestock above to see matching programmes.
Cover that may apply
Choose what you farm and your county to see which programmes may apply.
Index insurance in four steps
Index insurance removes the paperwork and the claims inspector. The trigger is public, automatic and fast.
Choose your product through a partner you trust
Confirm cover and pay premium by M-Pesa
Satellite or weather data monitors your area
If the trigger is met, payout goes to your M-Pesa — no paperwork
Partner with us
Government & DFIs
NASIP Flagship 6 delivery, county resilience plans, KLIP, KAIP and DRIVE programme support.
View government pageInsurers, reinsurers & DFIs
Risk placement, the National Blended Finance Facility, data standards and institutional partnership terms.
View institutional pagePartner with us
Distribution through SACCOs, cooperatives and agro-dealers, with API and USSD integrations.
Become a partner