SunCulture Advances Climate Resilience with First Insurance Payout Cycle in Kenya
SunCulture is pleased to announce the successful completion of the first payout cycle under its climate insurance program in Kenya. The initiative is delivered in partnership with IBISA Networks (product design and trigger monitoring) and APA Insurance (underwriter, reinsured by Africa Re), with support of Humanity Insured.
The program is designed to strengthen resilience for smallholder farmers by integrating climate risk protection directly into agricultural solutions, ensuring farmers are better supported during periods of adverse weather.
Program Overview
The parametric insurance solution uses data-driven weather triggers to determine payouts, enabling a transparent and efficient response when climate conditions fall below defined thresholds.
The first payout cycle covered the October to December 2025 season across farming regions in Kenya.
Key Results
a) 2,087 customers were covered during the period
b) 1,738 customers received payouts totaling KES 1,937,088
c) Coverage increased steadily over the season, from 356 customers in October to 898 in December
Operational Update
The first cycle was completed within approximately one month. SunCulture is currently working with APA insurance to further improve system integrations and automate future payout processes or faster delivery.
Looking Ahead
SunCulture remains committed to expanding access to climate risk protection for smallholder farmers. The program is set to expand into Uganda, extending climate resilience solutions to more farming communities in the region.
About SunCulture
SunCulture is a leading agriculture and climate technology company serving several markets across sub-Saharan Africa. SunCulture helps smallholder farmers grow more food with climate technology, carbon financing, and a digital marketplace, and is the largest solar irrigation company in Africa. The company was selected by the World Economic Forum as a Technology Pioneer, and has been named as one of the World’s Most Innovative Companies by Fast Company.
For more information, visit https://sunculture.io
About Humanity Insured
Humanity Insured, set up with the backing of the insurance industry, is a registered charity in the UK, and a registered not-for-profit non-stock entity in the US.
Humanity Insured helps pay for the world’s most advanced insurance solutions to make them accessible to the most vulnerable, so they can plan, rebuild, recover, and thrive. Designed by the people it protects, Humanity Insured makes innovative insurance accessible and effective for those most at risk, empowering them to build resilience and protect their futures.
For more information, visit: https://humanityinsured.org/
About IBISA Network
IBISA is a global climate-insurtech partnering with insurers, reinsurers, MFIs, NGOs, and development organizations to deliver affordable, data-driven climate risk protection. We combine satellite-based Earth Observation, parametric risk modelling, and automated payout systems to provide fast, transparent, and objective claims. Our digital tools streamline policy management and enable scalable climate insurance in underserved markets.
For more information, visit: https://ibisa.network
About APA Insurance
APA Insurance is part of the Apollo Group, one of the leading insurance groups operating in East Africa, providing a broad array of insurance solutions across Kenya, Uganda, and Tanzania. APA is one of Kenya’s largest non-life insurers and provides access to Motor, Liability, Agriculture, Property and Health insurance. APA Life Assurance is one the fastest growing life insurance companies in Kenya providing Individual Life, Savings, Investments and employee benefits solutions including Group Life, pensions and Annuities. Its other primary insurance business units include APA Microinsurance offering a unique range of micro-insurance products, APA Insurance in Uganda; an asset management company, Apollo Asset Management; and a property company, Gordon Court. The Apollo Associate in Tanzania is Reliance Insurance Company.
For more information, visit: https://www.apainsurance.org/
