Pula is an agricultural insurance and technology company focused on designing and delivering innovative insurance and digital products tailored for smallholder farmers. Operating primarily in emerging markets, Pula serves farmers who face significant yield risks due to climate variability and other challenges. The company’s business model involves partnering with insurers, governments, and development organizations to provide affordable and accessible insurance products. Revenue is generated through premiums paid by farmers, often subsidized by governments or development agencies, and through fees for digital services that improve farming practices. By leveraging technology such as blockchain and parametric insurance models, Pula aims to mitigate risks and enhance the livelihoods of rural households.

Keywords: agricultural insurance, digital products, smallholder farmers, yield risks, emerging markets, climate resilience, blockchain, parametric insurance, rural households, development partnerships.