Insurance
You cover the risks that weigh on harvests, herds and processing units, and you protect both the investment and the financiers behind it.
Coverage of agricultural, livestock and industrial risks — harvest, herd, processing unit — including weather-index insurance and micro-insurance, to secure the investment and its financiers.
What this service covers
This service covers insurance against agricultural, livestock and industrial risks: harvest losses caused by weather or pests, herd mortality, damage to the buildings, equipment and stocks of processing units, and the operator’s civil liability. It includes weather-index insurance, which pays out on the basis of a measured index, and micro-insurance distributed to smallholders, often through microfinance institutions. Typical deliverables are the risk assessment, the coverage contract, claims handling and compensation. It differs from financing and guarantees, which it secures by protecting the asset and the capacity to repay when a shock hits the farm or the plant.
- Assessment of agricultural, climate and industrial risks by value chain and area
- Design of index-based products built on weather or yield data
- Micro-insurance and distribution through microfinance networks and cooperatives
- Insurance of buildings, equipment, stocks and vehicle fleets of agro-industrial units
- Claims management and loss adjustment in the field
Benefits for producers, cooperatives, companies and institutions
Producers protect their income against weather shocks and keep their activity going after a loss.
Livestock farmers secure the value of their herd against disease outbreaks and accidents.
Processing companies cover their buildings, equipment and stocks against fire and other damage.
Financiers lend more readily to projects whose assets and harvests are insured.
Cooperatives offer group coverage to their members and strengthen their loyalty.
Why this service matters in Cameroon and Central Africa
In Cameroon and the CEMAC area, farms and processing units remain widely exposed to climate, health and industrial hazards, which holds back investment and access to credit. Insurance companies, relayed by microfinance institutions for micro-insurance, provide the mechanism that absorbs these shocks: they protect harvests, herds and assets, and reassure the banks and funds that finance the value chain. Weather-index insurance opens up coverage for smallholders in the Sudano-Sahelian zone as well as in the forest basins. By securing the investment at every link of the chain, insurance is a condition for the Produce – Process – Export doctrine to work in practice.
The types of actors concerned — and what the listing brings them
● delivers this service as a core activity — DADX.F2 · Finance
Your company reaches structured businesses and organisations with documented assets, and moves closer to the financiers who require coverage.
○ delivers this service as a secondary activity — DADX.F2 · Finance
Your microfinance institution showcases its micro-insurance offer and gives clients a protection that also secures your loans.
The headings a provider of this service should declare in its directory profile: they are reviewed at verification and read first by project promoters.
The strategic value of the XP-NOVA listing
Your listing makes your agricultural and industrial insurance products visible to producers, livestock farmers, processors and exporters.
You gain access to financed projects in the network that must insure their harvests, herds or units to reassure their lenders.
You join a network where banks, microfinance institutions and cooperatives look for insurance partners to cover their portfolios.
XP-NOVA validation confirms your licence and references, a mark of trust for policyholders who care about how claims are settled.
Your listing in three steps
The path is the same for every provider of this service; choose above the type of actor that matches you to reach a pre-filled form.
- Submit your information
You enter your organisation, your position in the architecture (actor type pre-filled), the services you deliver, your area of operation and your contacts. The profile is created as pending and you receive your access.
- Verification and validation by XP-NOVA
The XP-NOVA team reviews the profile: consistency of the position, reality of the declared service, completeness of the headings above. If there is a reservation, the reason is sent to you and you complete it.
- Official publication in the directory
Once validated, your profile is published under your actor code, with the service listed. You keep it up to date from your area: contact details, logo, capacities, description.
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