De-risking farmers
Protection for your Farm
Protection for your Income
Protection for your Family
Weather Protection
Price Guarantee
Personal Accident

Farming depends on multiple variables like weather, pest & disease outbreaks, temperature, rain, humidity, soil quality, market fluctuations etc. making it an unpredictable profession. For farmers to grow profitably & sustainably it is important to de-risk farming operations & safeguard them against weather & pest anomalies, and build for farmer resilience.

Our Kavach program offers protection & risk cover for farmers against crop losses, weather anomalies, market price fluctuations, pest & disease attacks and accidental misfortune. We have tailored our Kavach products to deliver maximum risk cover against minimum premiums. We leverage satellite data, crop models & artificial intelligence to automate claim triggers eliminating the need for claim requests leading to faster disbursals, requiring minimal paperwork, helping us create an impact on the farming community & build for farmer resilience.

The need for risk cover in agriculture

Nearly 5 Million hectares is affected every year due to weather anomalies leading to financial & crop losses

More than 30% of crop is lost due to pest & disease attacks every year

334 incidents & 18.4 deaths per 100,000 farmers occur due to farming accidents every year

Only 20% of the total farmers are insured. Many of them are still unaware about the benefits of risk cover.

Less than 25% of the farmers are able to access the benefits of MSP

Less than 40% of the legitimate claims get approved leading to financial losses for the farmers

Challenges faced by farmers & the Industry

Mistrust of
Insurance Schemes

Lack of
Awareness

High
Premiums

Disbursal & Approval Discrepancies

Limited & complicated
product offerings

Complex paperwork requirements

Be it bad weather or uncertain markets
Kavach will always protect you.

Kavach Protection Products

Weather Protection is the risk cover program for farmers to protect them against weather irregularities at a nominal cost.

It’s a flexible cover option where farmers can opt-in for the risk cover for any sum-assured value.

We disburse claims straight into the farmer’s bank accounts based on the automatic claim triggers to the farmers in the event of excessive rain or rain deficit.

Price Protection product offering ensures assured returns to the farmers against price fluctuations.

We have created a risk cover mechanism through which the farmer is compensated for the difference in the average modal prices of the crop in a month and benchmark prices of the produce. These benchmark prices are established based on historical pricing data from region-specific mandis.

Thus, protecting farmers from financial strains due to crop failure or fluctuations in commodity prices.

Many farmers suffer accidental misfortune during cultivation - snake bites, mechanization-related accidents, exposure to hazardous chemicals, bee- sting, machines tipping over etc.

Through our accidental cover offering, farmers have access to quality medical assistance & are protected in case of fatalities as well.

The product safeguards farmer & their families against such mishaps.

Why choose Kavach?

Minimal
Paperwork
required

Fast-track
Disbursal

Sachet Offerings
that are easy on
the pocket

Guaranteeed
Returns

Automated
Claim Trigger

Transparent Terms
with Minimum
Conditions

Higher Claim
Approvals

Insure an acre or choose to insure an entire farm

Who is it for?

We work with brands like SWAL, Advanta, BASF, Bayer etc to offer risk cover to the farmers against the purchase of ag-input products.

Benefits

  • Higher value proposition on products
  • Direct visibility on secondary sales
  • Increased customer base
  • Better brand recognition
  • Eliminate purchase of counterfeit products
  • Increase Market Share
  • Increase farmer retention and loyalty

We work with partners like SBI General, HDFC Ergo, Future Generali etc to offer risk cover to the farmers against weather anomalies, farming accidents, market fluctuations etc

Benefits

  • Service authentic & KYC registered farmers
  • Increase product penetration
  • Improve trust within the farming community
  • Automate claim verification
  • Eliminate paperwork
  • Save manpower & marketing cost

Farmers can buy Kavach Protection for their farms at best prices. No minimum sum assured required.

How to apply?

  • Register on our nurture.farm app
  • Geo-tag your farms
  • Apply for Kavach by entering sum assured.
  • Enjoy Kavach Benefits

We are looking for aspiring individuals belonging to rural areas who have a flair for entrepreneurship & can drive lasting impact at the grassroots levels.

These individuals will be trained, educated, and will act as the face for our Kavach Program.

Benefits

  • Earn steady income
  • Opportunity to grow
  • Make a career in a promising field
  • Drive on-ground impact

We work with brands like SWAL, Advanta, BASF, Bayer etc to offer risk cover to the farmers against the purchase of ag-input products.

Benefits

  • Higher value proposition on products
  • Direct visibility on secondary sales
  • Increased customer base
  • Better brand recognition
  • Eliminate purchase of counterfeit products
  • Increase Market Share
  • Increase farmer retention and loyalty

We work with partners like SBI General, HDFC Ergo, Future Generali etc to offer risk cover to the farmers against weather anomalies, farming accidents, market fluctuations etc

Benefits

  • Service authentic & KYC registered farmers
  • Increase product penetration
  • Improve trust within the farming community
  • Automate claim verification
  • Eliminate paperwork
  • Save manpower & marketing cost

Farmers can buy Kavach Protection for their farms at best prices. No minimum sum assured required.

How to apply?

  • Register on our nurture.farm app
  • Geo-tag your farms
  • Apply for Kavach by entering sum assured.
  • Enjoy Kavach Benefits

We are looking for aspiring individuals belonging to rural areas who have a flair for entrepreneurship & can drive lasting impact at the grassroots levels.

These individuals will be trained, educated, and will act as the face for our Kavach Program.

Benefits

  • Earn steady income
  • Opportunity to grow
  • Make a career in a promising field
  • Drive on-ground impact

Our Partners

A Kavach Protected farmer doesn’t leave anything to chance.

Scale & Impact

Farmers Insured
100000
Kavach Sold
0  MN
States
100000

Data from January 2022

Calling out brands to work with us to make farmers resilient

Calling out insurance companies to deliver risk cover for millions

Partner with us to deliver risk cover for farmers and earn steady income

Your seat is booked!

Welcome to Spring. Your registration for Spring has been confirmed. An email with joining details for this event will be sent to you soon. Don’t forget to check out and participate in the Design Challenge.  We look forward to meeting you soon!

Come join us on March 26, 2022 to learn how design and research can play a role in transforming agriculture globally and bring human-centered experiences to the agricultural community.

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