How It Works

From forecast to farmer action: how Ogembo turns climate data into protection and advice.
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From forecast to farmer action.

Two products, one platform: parametric protection plus AI farmer advisory.

Parametric protection covers the bad seasons. AI advisory improves the good ones. Both are delivered through the Ogembo Platform.

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Climate & hazard intelligence
Hyperlocal modelling of rainfall, temperature, wind, moisture and flood risk.
Calibrated climate indices
Scientifically defined thresholds matched to the hazards that drive loss.
Automatic parametric payouts
Payouts trigger when the index threshold breaks - no claim or loss adjustment.
Mobile-money & banking rails
Funds reach farmers through the rails available in each deployment.
AI agro-advisory
Stage-specific guidance for soil, crop, pest, irrigation and weather decisions.
Satellite NDVI monitoring
10-metre vigour maps flag stressed zones early.
Pest & disease forewarning
Outbreak warnings and image-based diagnosis support timely treatment.
Full MRV
Donor- and regulator-ready evidence across hazards, triggers and payouts.
The Ogembo climate-to-cash chain.

From index design to payout delivery, each step is measurable and verifiable.

Ogembo defines measurable indices, tracks hazards continuously, triggers payouts automatically and gets funds to farmers within days of a shock.
Define the index
Scientifically calibrated indices.
Indices are calibrated for rainfall, temperature, wind, flood and Growing Degree Days: the hazards that actually drive loss.
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No inspections
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Measure continuously
Hazard and exposure, tracked in near real time.
IoT sensors, weather stations and satellite feeds measure conditions across the whole season.
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No inspections
No delays
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Trigger automatically
Payouts fire when a threshold breaks.
When a predefined index threshold is crossed, the payout triggers automatically - no claim, no loss adjustment.
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No inspections
No delays
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Pay within days
Liquidity, when it matters most.
Funds reach farmers via mobile-money and banking rails within days of the shock - not months.
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No inspections
No delays
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We join farmers, manufacturers, and retailers in sourcing, making and delivering products that are vital for living.​ Get Started Now!
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Ogembo in Practice
Science we can stand behind.

Indices, models and advice built for measurable resilience.

Indices, models and advice are built and validated by climate scientists, actuaries, agronomists and data experts - and every trigger is measurable and verifiable.

How It Works Meet Our Team
Climate-risk protection, answered plainly.
Ogembo combines parametric insurance and AI advisory so farmers can act earlier, recover faster, and prove impact across the full climate-to-cash chain.
What is parametric insurance, and how is it different?
How quickly do farmers get paid?

Within days of the shock. With no loss adjustment, funds reach farmers via mobile-money and banking rails when liquidity matters most.

How is the advice delivered to farmers?
Which countries and crops does Ogembo support?

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