AFRICAN insurers, governments, and research organisations are testing a new generation of crop and livestock insurance models designed to protect smallholder farmers from increasingly unpredictable weather. The new systems combine satellite data, mobile technology, and farm-level verification tools, marking a shift from donor-led pilots toward scalable insurance markets across the continent. The momentum comes as climate shocks intensify across Africa’s agricultural regions, exposing structural vulnerabilities that extend beyond immediate crop losses. According to Patricia Tembo, farm insurance is “increasingly being treated as a core business tool rather than a discretionary expense,” particularly in high-risk agricultural environments shaped by climate volatility…