Services
Product Design & Calculation Agency
We design the index product and act as the calculation agent that runs it — the technical core an insurer, reinsurer or MFI needs in place before a product can go to market.
What this involves
From risk assessment to a certified index
Product Design & Calculation Agency is the technical foundation the rest of the practice sits on: the Earth-observation data, the unit areas, and the pricing logic that make an index product defensible to an actuary and legible to a regulator.
Earth-observation data across the insurance lifecycle
We provide the EO data an insurer needs at every stage of a product's life: risk assessment before it goes live, ongoing seasonal monitoring while it is in force, and claims verification once a trigger is reached — for both crop and livestock cover.
Acting as Index Calculation Agent
We run the index of record — applying the agreed trigger and exit logic and certifying the payout obligation it produces — as an independent calculation agent, rather than as a function inside the insurer's own book.
Unit Area of Insurance delineation and validation
Delineating and validating a Unit Area of Insurance is participatory and done on the ground, combining Earth-observation analysis with rangeland management expertise and actuarial science, so a boundary reflects real conditions rather than a satellite pass alone.
Customised insurance product design
Trigger, exit and franchise-deductible structures built around a specific crop, livestock system or geography, not fitted to a generic index-insurance template.
Data analytics
The Earth-observation record turned into evidence an insurer, reinsurer or donor can actually underwrite against: pricing inputs, monitoring dashboards and claims documentation, drawn from one consistent dataset rather than reconciled after the fact.
Technology integration
Satellite imagery, IoT field sensors and mobile data collection integrated into one operating pipeline, rather than three separate systems an operations team has to reconcile by hand.
Talk to us
Talk to us about a product
If you're an insurer, reinsurer or MFI evaluating an index product, this is the team that designs it and certifies the index behind it.