Are you a farmer, rancher or grower in Moçambique?
Here’s what you need to know.
Specialist business insurance
Specialist business insurance solutions that cover your business against the specialist risks it faces.
Agriculture insurance
Agriculture is a critical economic sector in Moçambique employing more than 70% of the active population. Agricultural production is exposed to numerous types of fundamental risks including droughts, flooding, pests, diseases and volatility of commodity prices. Moçambique is classified as the third most highly exposed country in Africa to climate-related disasters. Insurance is one of the key elements of integrated risk management programmes that are required to mitigate the impact of these risks.
Client segmentation of Hollard Agri
We are interested in developing and providing appropriate insurance solutions to cover the identified needs of the following segments in the
agricultural sector:
Corporate / commercial agri-business
This segment is already largely covered by traditional insurance intermediation and insurance products. Entities in this segment
such as input providers and commodity buyers have the
potential to serve as aggregators enabling access to their clients
in primary production.
Agro SME’s
These are small and medium-sized enterprises and
cooperatives involved in production, processing, transportation, distribution of inputs, service providers and marketing of
agricultural commodities, livestock, timber and charcoal.
Commercial farmers
In Moçambique, there is a growing number of large scale
commercial farmers. Our offering for this group includes
insurance for crops, trees and animals in the field.
Peri-urban farmers & emerging rural farmers
We have observed a trend of emerging local commercial farmers with improved access to agri-finance,
technical assistance and resources. We are keen to distribute suitable products to address
the needs of this group where there is a very low insurance penetration. We shall also aim to
integrate insurance in existing financial services to which they have access.
Small-scale rural family growers
These communities are highly dependent on rainfall for their production. Most do not have access to
better technology to improve their yields such as certified seeds, fertilizer and appropriate
pesticides. In order to address the major protection gap in this segment, one of the best options we
are exploring is Index-Based contracts combined with Remote Sensing, GIS/GPS and mobile technology.
Channels
For the distribution of the above agriculture insurance products, we rely on a combination of traditional distribution channels as well as an exploration of alternative models. Our key channels can be listed as follows:
- Insurance intermediaries
- Commercial banks
- MFIs/ cooperative & associations
- Agric suppliers
- Agric buying companies
- Agro-dealers
Technology
In our exploration of new segments involving clients without access to traditional financial services, we require technology to allow us to have cost-effective access to the target customer base. For this purpose, we rely on the following forms of enabling technology:
- Satellite remote sensing
- GPS
- GIS
- Mobile technology
- Digital contracts
Alignment with key national
development policies
- Government authorities at national, provincial and district level
- National and international development agencies and consultants
- Financial institutions and respective regulatory bodies
- Agriculture research and development bodies
For more information, please contact us:
Tel: +258 21 357 700 | Email: info@hollard.co.mz
Illustrated book
Download the illustrated story of a traditional Moçambique tale, adapted by Hollard Moçambique.
Climate index
Download the index insurance brochure against risks of droughts and excess rain.
Hollard Agri products
For the different type of operators in the agricultural sector, the following are some of the key policies that we can offer:
Crop
- Precipitation index
- Hybrid index
- Area yield
- Named peril crop insurance
Livestock
- Index-based livestock insurance
- Named peril livestock insurance
Timber
- Named peril standing timber insurance
Agricultural credit
- Credit life
- Credit fund
Farm workers
- Workmen’s compensation act
- Funeral
- Hospital cash
- Group life
- Hollard Cigna Health
Assets & liabilities
- Agriculture assets & liabilities policy
Vehicles
- Motor liability & comprehensive cover
- Motor aggregate fund
Marine
- Goods-in-transit & marine
- Stock throughput