Pula Area Yield Index Insurance and Farmer Data Platform

Pula is an agricultural insurance and technology company headquartered in Switzerland, with offices in Ethiopia, Kenya, Uganda and Zambia. Founded in 2015, it designs insurance and data products that help smallholder farmers manage climate risk and gain access to credit, working with insurers, reinsurers, governments, lenders and agribusinesses.

Its core product is area yield index insurance: zones are mapped into agro-ecological units, farmers are registered through the offline Mavuno app, and payouts are triggered when crop cut experiments show yields below a historical benchmark. Pula also offers hybrid livestock cover using satellite vegetation and rainfall triggers, farmer registration and geo-mapping, climate risk profiling and EUDR traceability services.

• Area yield index insurance: payouts triggered when zone yields fall below a historical benchmark.
• Crop cut experiments: field sampling of yields checked by actuaries to set payouts.
• Hybrid livestock insurance: satellite drought triggers combined with indemnity cover for death or theft.
• Mavuno app: offline mobile registration, data collection and claims handling.
• Data services: farmer registries, geo-mapping, climate risk profiling and live dashboards.
• EUDR compliance: farm polygons, digital farmer IDs and a central traceability platform.

• Non-life insurers designing area yield products for rice farmers in the Mekong Delta.
• Agricultural banks and input suppliers bundling index insurance with seasonal input loans.
• Coffee exporters mapping farm polygons and farmer IDs for EUDR due diligence.

• Lets insurers and lenders cover smallholders at scale: Pula reports more than 20 million farmers insured and 133.9 million USD in total payouts.
• Embeds insurance into input loans so lenders can extend credit with lower default risk.
• Speeds up livestock claims, with reporting time reduced to within 24 hours.
• Provides a large yield database for product design and government programmes.

Climate shocks are raising credit risk in smallholder agriculture, and lenders, insurers and governments are turning to index insurance and digital farmer registries to keep finance flowing. In Southeast Asia, including Vietnam, rice and coffee farmers face drought, salinity and flood risk, and agricultural insurance programmes need cheaper ways to assess losses.

Headquartered in Mollis, Switzerland. Celebrated its 10th anniversary in October 2025. Reports work with 112 insurer and reinsurer partners and 70+ distribution partners across 22 countries. Named a 2026 Earthshot Prize finalist.