Trusted by cedants across the Global South
Crop & Agriculture
Providing robust risk-transfer capacity to stabilize national agricultural insurance schemes.
- 60M+
- Hectares Covered
- +25%
- Non-loanee Farmer Growth YoY
- Top Tier
- Market Share in Key Territories
- ₹1.83L Cr+
- Aggregate Claims Facilitated
Our Approach
A better way to manage underwriting volatility
For primary insurers, crop portfolios are defined by systemic risk. We provide the capital depth and technical expertise required to absorb climate-linked shocks, ensuring the sustainability of agricultural credit systems. We balance localized perils across the Global South, using our global balance sheet to ensure that a regional drought doesn't compromise a cedant's solvency.
- 01
Technical Underwriting & YES-TECH
- We support our partners with advanced yield estimation technology. By leveraging satellite-based monitoring, we help refine the "Threshold Yield" calculations that are critical for treaty pricing.
- 02
Support for Government-led Schemes
- We are specialists in participating in PMFBY and similar sovereign-backed programs, offering expertise in the profit/loss sharing structures that underpin these national schemes.
- 03
Catastrophic Loss Protection
- Our treaties are structured to protect against "Black Swan" events — such as multi-state monsoonal failure or widespread pest infestations — that exceed the retention limits of primary carriers.
Always in the Loop
Intelligence that keeps cedants ahead.
Our partners receive continuous analytical support — turning raw risk data into precise underwriting decisions.
Real-time Exposure Tracking
- Our partners get access to sophisticated exposure maps, allowing for a real-time view of accumulation across different districts and crop varieties.
Actuarial Support
- We provide deep-dive analytics on historical burn costs and climate trends to help our cedants price their primary products more accurately.
FAQs
Frequently asked questions
- How does Treaty Reinsurance improve capital efficiency?
- By offloading peak seasonal systemic risks, we reduce the solvency capital requirements for primary insurers, allowing them to expand their underwriting capacity within government mandates.
- What is the typical duration of a treaty arrangement?
- Most treaties follow the regional cropping cycle (e.g., Kharif and Rabi in India) and are typically structured as annual Proportional or Non-Proportional contracts.
- How are claims handled within this Line of Business?
- As a reinsurer, we follow the settlements of the primary insurer ("Follow the Fortunes"), while utilizing the Digi-Claim audit trails to ensure transparency in large-scale loss distributions.
- Do you offer tailored wording for specific regulatory zones?
- Yes. We specialize in drafting wording that aligns with the PMFBY Operational Guidelines and various state-specific "Cup and Cap" or "Profit Sharing" models.
- How do you support cedants with technical data?
- We provide regular RST (Remote Sensing Technology) based inputs and satellite-derived vegetation indices. These reports help our cedants monitor crop health in real-time and identify potential loss pockets long before the harvest season ends.
- Can you assist with the "Cup and Cap" settlement process?
- Absolutely. We provide the actuarial backing to manage the financial flows of the 80:110 (or similar) models, ensuring that the reconciliation between the cedant, the reinsurer, and the government is seamless and audit-ready.
- How is accumulation risk managed during peak monsoon seasons?
- We use spatial analytics to monitor concentration risk across neighbouring districts. This allows us to advise cedants on portfolio balancing to avoid over-exposure to a single weather system or river basin.
- What is the role of the reinsurer in Crop Cutting Experiments (CCE)?
- While the primary insurer oversees the ground-level CCE, we provide a layer of "Remote Sensing" verification to help validate the consistency of the field results against regional biomass trends.