O&M Enterprises
Sustainability and Development. Delivered.
CRIP (Climate Risk Insurance Platform)

Climate Risk Insurance Platform

Building Climate Resilience Through Partnerships

CRIP (Climate Risk Insurance Platform)

CRIP (Climate Risk Insurance Platform)

Problem: Lack of Climate Risk Coverage For Smallholder Farmers and Pastoralists

Extreme weather events due to climate change result in systemic shocks for rural poor communities. As such, extreme weather events are more difficult to manage, since multiple systems are impacted.

This ultimately leads to greater resistance to carrying out more productive activities and investments in order to be more resilient to shocks.

Solution: Remote Sensing Mediated Index-Based Insurance

Pays an indemnity quickly and remotely based, on objective observations, such as rainfall, via drones or satellites

Objective triggering of payouts eliminates information asymmetry issues of other insurance contract

Automation dramatically reduces operating costs

As a result Index-Based Insurance lowers the risk for rural poor farmer and pastoralists of investments of time and money in greater productivity & incentivizes appropriate climate action.


  Delivery of Index Insurance Through Bundling With Other Services   Access to Financial Services  Sustainable Land Use Interventions  Access to Agricultural Inputs  Access to Markets

Delivery of Index Insurance Through Bundling With Other Services

Access to Financial Services

Sustainable Land Use Interventions

Access to Agricultural Inputs

Access to Markets

  Less than 2% of Africans are covered by agricultural insurance. Why?   1. Deployment of programs tend to rely on donor and government support which is often short-term and frustrates long-term alignment with local partners.  2. Programs must be designed and adapted to various insurance jurisdictions, geographical regions, crops/livestock.  3. Partnerships with local delivery partners and aggregators are widely varied and lack standardization.  4. As a result insurance scheme operate in a silos & do not take advantage of synergies and economies of scale.

Less than 2% of Africans are covered by agricultural insurance. Why?

1. Deployment of programs tend to rely on donor and government support which is often short-term and frustrates long-term alignment with local partners.

2. Programs must be designed and adapted to various insurance jurisdictions, geographical regions, crops/livestock.

3. Partnerships with local delivery partners and aggregators are widely varied and lack standardization.

4. As a result insurance scheme operate in a silos & do not take advantage of synergies and economies of scale.


  Our approach focuses on developing synergies across sectors, especially with energy access and access to markets. Benefits of this approach:   1. Enables deeper commercial relationships with local service delivery partners  2. Allows for greater flexibility in deploying capital compared to relying on intermittent grants and public subsidies  3. Allows for efficient replication, mainstreaming of best practices and knowledge dissemination, rather than successive piloting

Our approach focuses on developing synergies across sectors, especially with energy access and access to markets. Benefits of this approach:

1. Enables deeper commercial relationships with local service delivery partners

2. Allows for greater flexibility in deploying capital compared to relying on intermittent grants and public subsidies

3. Allows for efficient replication, mainstreaming of best practices and knowledge dissemination, rather than successive piloting

  Agri Insurance Strengthens PAYGO Customer Engagement  1. Providing agri insurance with energy services is a marketing advantage over solar component suppliers.  2. Customer payment of premiums incentivizes financing payments for off grid appliances.  3. Agri insurance supports ability to pay for energy services and productive use appliances.  4. Payments to energy providers will increasingly be associated with livelihoods rather than discretionary household expenditures.  5. A more resilient customer is a better customer for distributed energy providers.

Agri Insurance Strengthens PAYGO Customer Engagement
1. Providing agri insurance with energy services is a marketing advantage over solar component suppliers.

2. Customer payment of premiums incentivizes financing payments for off grid appliances.

3. Agri insurance supports ability to pay for energy services and productive use appliances.

4. Payments to energy providers will increasingly be associated with livelihoods rather than discretionary household expenditures.

5. A more resilient customer is a better customer for distributed energy providers.

  PAYGO Customer Engagement: An Opportunity For Enhanced and Bundled Services   The majority of poor  PAYGO clients believed that they are good payers.  A third of low-income PAYGO clients do not consider themselves as good payers.  Much can be done to adjust the disconnect between perception and reality for poor payers & incentivize payment by poor-paying low income users.

PAYGO Customer Engagement: An Opportunity For Enhanced and Bundled Services

The majority of poor PAYGO clients believed that they are good payers.

A third of low-income PAYGO clients do not consider themselves as good payers.

Much can be done to adjust the disconnect between perception and reality for poor payers & incentivize payment by poor-paying low income users.

 CRIP is Climate Mitigation and Climate Adaptation, Paired Together to Bring Climate Actions to Millions.

CRIP is Climate Mitigation and Climate Adaptation, Paired Together to Bring Climate Actions to Millions.