Map the crop and season
Define the covered plot, crop cycle and relevant protection window with the distribution partner.
Satellite layer / 11:40 WAT
Cover that moves with the weather.
ParaCover helps smallholder farmers access parametric micro-insurance shaped around rainfall, satellite and yield-index triggers—with predefined payout logic when covered conditions occur.
Covered plot
Rain cell
Waterway
10.5105° N
7.4165° E
7.4165° E
Weather-index simulator
When the index crosses the line, the next step is already defined.
Move the sample rainfall reading to see how an illustrative drought cover could respond. This is an educational demonstration, not an insurance quote.
Pre-agreedObservedActionable
Sample fieldMaize plot / KD–14
Watching
Observed rainfall over the sample window
0 mmDrought trigger: 30 mm120 mm
Trigger resultNo trigger event
Illustrative payout₦0
Rainfall remains above the sample drought threshold.
The field method
Coverage built from observable conditions.
Observe the agreed index
Follow the rainfall, satellite or yield-index source specified in the cover design.
Check the threshold
Compare the recorded condition with the predefined trigger rather than waiting for a loss inspection.
Coordinate the payout
Prepare eligible cases for the agreed payout route and keep the farmer informed in plain language.
The design priority
Protection should be understandable before the rain changes.
Designed for access
Plain-language cover
Show the trigger, observation window and payout logic before enrolment.
Partner-ready operations
Coordinate field agents, cooperatives, distributors and payout workflows from a shared view.
Useful notifications
Explain weather observations and next steps without requiring a smartphone-heavy experience.
For insurers, cooperatives and agricultural platforms