We design, price and operate index insurance for climate-vulnerable communities across Africa, on our own Earth-observation platform, and we train the people who run it.
Three real audiences, each landing on the evidence that matters to them first.
Dalili's own Index Insure platform, public for the first time — real UAI delineation, pricing methodology and distribution capability.
Methodology-first evidence for funding, citing or co-designing a programme — how impact is measured, the convening model, and the rigour behind the Earth-observation approach.
Bespoke curricula, certified trainers and role certification for product and operations teams, through the Dalili Academy.
What we do
Design and price the product. Build the market that sells it. Train the people who run it. Convene the partners who make it work.
Earth-observation data for crop and livestock index insurance, from risk assessment through monitoring to claims verification. Index calculation agency work, participatory Unit Area of Insurance delineation and validation, and custom product design.
What this involves
Technical and operational support for insurers, reinsurers and MFIs building distribution: registration, premium collection, seasonal monitoring and payout disbursement, plus local-language awareness material and sustainable-demand design.
What this involves
Bespoke curricula delivered by certified trainers, with role certification for product and operations teams, blended e-learning and micro-learning, and continuous refresher support after the classroom.
What this involves
A convening hub linking agribusinesses, cooperatives, government agencies and insurers, built for information sharing, collective risk reduction and knowledge exchange across the whole value chain.
How we partner
The platform
Index Insure is Dalili's own Earth-observation underwriting platform, built in Nairobi. It does the data, pricing and payout work that the advisory practice is built on, which is why the advice comes with a method attached rather than a brochure.
NDVI, rainfall estimates, the SPEI drought index and soil moisture, pulled through a six-stage automated pipeline and held as continuous history rather than a one-off extract.
Trigger and exit thresholds, franchise versus deductible structuring, extreme-percentile and reinsurance capital-cost loadings, and payout-severity modelling run against the full historical record.
Built to disburse through M-Pesa in Kenya and Airtel Money and OPay in Nigeria, with automated SMS confirmation to the policyholder and a full audit log behind it.
Four statements, each one something we can show you rather than something you have to take on trust.
The data pipeline, the pricing engine and the payout rails are Dalili's own systems. When we advise on a product design, we are describing work we do ourselves rather than coordinating someone else's.
Delineating and validating a unit area is participatory and done on the ground, combining Earth observation with rangeland management knowledge and actuarial science. A boundary drawn only from a satellite is a basis-risk problem waiting to happen.
Financial protection on its own is not resilience. It works alongside early warning, risk reduction and financial literacy. Designing all four together is what separates this from selling a policy.
Trigger and exit thresholds, franchise versus deductible structuring, extreme-percentile and reinsurance capital-cost loadings, and payout severity read against two decades of history. An insurer, a reinsurer or a donor can interrogate all of it.
Insights
Explainers and field research on how index insurance is designed, priced and delivered. The first three are being written by the people who do the work.
In preparation
How a unit area gets drawn, who has to be in the room when it happens, and what changes in the product when they are not.
In preparation
The gap between the loss a household actually takes and the payout an index triggers, and the design decisions that widen or close it.
In preparation
Why a cover that is not understood is a cover that is not renewed, and where literacy work belongs in a programme budget.