Taking a tech products approach to grow the reach of insurance, Toffee Insurance creates single-event insurance products in new categories using AI to secure "the next half billion first-time internet users". The startup uses behavioural and consumption data to co-create such bite-sized products using AI and machine learnings, in a bid to make insurance more appealing to the new generation.

The company provides a variety of insurance products. Those relevant to climate resilience are related to the spread of tropical disease - dengue insurance, and mosquito insurance. This product allows customers to mitigate the risk of these rising diseases and cope with the financial impact of being impacted by one of these diseases.