Pula

Pula exists to transform how smallholder farmers manage risk in an increasingly unpredictable climate. Every year, billions of dollars in agricultural investments remain unprotected, leaving vulnerable farmers exposed to droughts, floods, and climate shocks that can devastate livelihoods overnight. Pula radically restructures this landscape by designing and delivering innovative agricultural insurance and digital products that have already protected $2.6 billion in agricultural investment and reached over 20 million farmers across 22 countries in Africa and Asia.

By building the world's largest database on smallholder farmer productivity - with over 875 million data points collected - Pula transforms nature's unpredictability into data-driven solutions that enable farmers to thrive. The company partners with global reinsurers, insurers, governments, and development partners to deliver scalable, reliable agricultural insurance through products like Area Yield Index Insurance, Hybrid Livestock Insurance, and climate risk protection solutions. Their parametric insurance approach uses satellite imagery, remote sensing data, and machine learning to trigger automatic payouts when climate events occur, protecting farmers' investments within days rather than months. Since 2015, Pula has paid out over $133 million to farmers, turning risk into resilience and uncertainty into opportunity for communities that have never had access to formal insurance before.