Pula is radically restructuring agricultural insurance, using technology to help insure the previously unbanked, uninsured and untapped market of smallholder farmers.

Pula provides farmers with insurance that is bundled with inputs and farmer advisory to help farmers increase yields and protect their income. For the farmers, the insurance is free. Agricultural input companies pay the premium to differentiate their product from their competitors’ products, and the insurance is underwritten by third-party insurers/reinsurers. Pula’s understanding of smallholder risk allows it to be the intermediary, collecting data that is used to serve farmers and providers alike. Additionally, Pula uses proprietary data sets to synchronize local advice, helping farmers achieve higher yield and income every season.