Beta · Piloting With Select Partners

Parametric Insurance for African Agriculture

YieldSecure gives insurers and agricultural finance providers the data, trigger engine and monitoring infrastructure to launch and manage parametric crop protection. It continuously monitors insured farms using satellite, weather and agronomic data, detects when predefined conditions are breached, and calculates the resulting payout.

CropSense YieldSecure Parametric Insurance

CropSense provides the technology and risk intelligence. Licensed insurance partners provide the insurance coverage and assume the insured risk.

Why Agricultural Insurance Is Difficult to Scale

Slow, Manual Loss Assessment

Slow, Manual Loss Assessment

Traditional indemnity insurance requires physical inspections after a loss, making claims assessment slow and expensive for widespread smallholder farms.

Climate and Yield Risk Priced on Guesswork

Risk Priced on Guesswork

Limited field-level data makes it difficult to accurately assess climate exposure, crop health and potential losses, especially for smallholder farms.

Smallholders Left Uninsurable

Smallholders Left Uninsurable

Many farmers lack the records and infrastructure required by conventional insurance products, making it difficult for insurers to serve smaller farms profitably.

The YieldSecure Solution

YieldSecure converts field-level agricultural and climate data into measurable insurance triggers that pays out automatically when verified conditions cross a threshold, no loss adjuster required.

Coverage That Pays on Evidence, Not Paperwork

YieldSecure continuously monitors insured farms throughout the policy period. Instead of waiting for a farmer to file a claim and an adjuster to inspect the damage, the platform evaluates predefined indices such as rainfall, vegetation health and flood extent. When the agreed trigger threshold is breached, YieldSecure generates the trigger event and calculates the corresponding payout.

Parametric cover pays when the agreed index threshold is reached. It does not require an individual assessment of the actual loss on the farm.

How YieldSecure Works

01. Risk & Trigger Design

Define measurable triggers for drought, flood, rainfall deficit, vegetation stress and other agricultural perils.

02. Field-Level Monitoring

03. Trigger Detection

04. Payout Calculation

CropSense YieldSecure Policy

One Risk Portal for the Entire Policy Book

A dedicated workspace for underwriting and claims teams. Issue policies, monitor exposure across an entire book, and see payouts triggered automaticallyโ€”without a single field visit.

YieldSecure Policy Monitor
POL-2026-1187 Active
Crop Maize
Peril Drought
Coverage ₦500,000
Current Index 62%
Trigger Threshold 75%
Next Monitoring 15 Sep 2026
Trigger not reached. Monitoring continues.
POL-2026-1188 Near Trigger
Crop Rice
Peril Flood
Coverage ₦850,000
Current Index 81%
Trigger Threshold 90%
Next Monitoring 15 Sep 2026
Approaching trigger threshold. Payout review in progress.
POL-2026-1189 Active
Crop Sorghum
Peril Drought
Coverage ₦320,000
Current Index 34%
Trigger Threshold 70%
Next Monitoring 15 Sep 2026
Trigger not reached. Monitoring continues.

Underwrite and Monitor an Entire Book from One Dashboard

Built for underwriters, claims teams and portfolio managers who need farm-level evidence at issuance and a live view of risk through the season.

  • Portfolio Risk Dashboard

    Monitor insured value, trigger proximity and geographic concentration across crops, regions and perils.

  • Bulk Policy Management

    Upload farm boundaries and policy data to configure and manage large agricultural portfolios.

  • Farm-Level Evidence

    See the satellite, weather and agronomic evidence supporting each policy and trigger.

  • Real-Time Trigger Monitoring

    Get flagged the moment a peril index crosses its threshold, before a claim is even filed.

  • Automated Payout Calculation

    Calculates the applicable payout and sends a verified trigger event when triggers are detected.

  • Reports & Audit Trail

    Export underwriting files and keep a defensible, data-backed record of every policy and payout for regulators and reinsurers.

YieldSecure Integration API

Issue policies, check trigger status and receive payout events directly inside your core insurance or lending system—in the same request flow that captures the application.

Integrate With Your Existing Systems

Connect YieldSecure to your insurance platform, loan management system or agricultural finance application. Use the API to configure policies, retrieve live trigger status and receive verified trigger events without building your own satellite monitoring infrastructure.

  • POST /yieldsecure/quote

    Get an indicative premium for a farm, one or more perils and a coverage amount before binding.

  • POST /yieldsecure/policies

    Issue a policy covering one or more perils once a quote is accepted.

  • GET /yieldsecure/policies/{policy_id}

    Retrieve a policy's status and, for every peril it covers, the live index reading against its trigger threshold.

  • POST /yieldsecure/webhooks/trigger-events

    Subscribe to real-time notifications when a policy's trigger is breached.

POST https://api.cropsense.africa/yieldsecure/policies
// Request โ€” a policy can cover more than one peril
{
  "farm_id": "frm_7d21c4",
  "field_id": "fld_9b3a02",
  "crop_type": "maize",
  "perils": ["drought", "flood"],
  "sum_insured": 500000,
  "currency": "NGN",
  "term_start": "2026-04-01",
  "term_end": "2026-09-30"
}

// Response  201 Created
{
  "policy_id": "8f1e2a6c-9b3d-4e21-a7c5-2d6f9b1e4a70",
  "farm_id": "frm_7d21c4",
  "field_id": "fld_9b3a02",
  "status": "active",
  "sum_insured": 500000,
  "currency": "NGN",
  "premium": 61750,
  "perils": ["drought", "flood"],
  "triggers": [
    {
      "peril": "drought",
      "trigger_index": "cumulative_rainfall_mm",
      "current_index_reading": 42.5,
      "trigger_threshold": 60.0,
      "comparison": "lt"
    },
    {
      "peril": "flood",
      "trigger_index": "flood_alert_count",
      "current_index_reading": 0.0,
      "trigger_threshold": 0.0,
      "comparison": "gt"
    }
  ],
  "term_start": "2026-04-01",
  "term_end": "2026-09-30",
  "next_monitoring_date": "2026-04-08"
}

Sandbox credentials, batch limits and full schemas are documented in the Developer API reference.

Who YieldSecure Serves

YieldSecure is built for institutions protecting agriculture at scale, helping them settle claims faster and extend cover to farmers traditional insurance overlooks.

Insurers & Reinsurers

Design, monitor and scale index-based agricultural insurance products using field-level risk intelligence.

Agricultural Lenders & Banks

Protect agricultural loan portfolios against climate-related risks by integrating parametric protection into agricultural finance products.

Governments & Social Protection Programs

Deploy transparent, scalable climate-risk protection and disaster-response programs for smallholder farmers.

Aggregators & Cooperatives

Protect farmer networks, production contracts and outgrower portfolios against defined weather and climate risks.