About Kilimo Salama
Kilimo Salama (“Safe Agriculture”) is an insurance designed for Kenyan farmers so they may insure their farm inputs against drought and excess rain. The project, which is a partnership between Syngenta Foundation for Sustainable Agriculture, UAP Insurance, and telecoms operator Safaricom, will offer farmers who plant on as little as one acre insurance policies to shield them from significant financial losses when drought or excess rain are expected to wreak havoc on their harvests.
Kilimo Salama was designed based on the learning of a pilot in Laikipia district where several hundred maize farmers insured their farm inputs against drought in the long rains season of 2009. Following the drought that season, both weather stations showed that there was a payout and all farmers were compensated depending on the extent of the drought as measured at their weather station (a 30 percent and 80 percent payout, respectively). The pilot was the first of its kind in Kenya.
Kilimo Salama features many elements—like the mobile phone registry and payment system and distribution through rural retailers—that are micro-insurance firsts.