Ministry of Agriculture Livestock Development alongside partners: PULA Advisors, The Bayer Foundation, Lemonade Foundation, SOMPO Digital Lab, and Etherisc have launched an initiative that integrates agricultural insurance into Kenya’s National Fertilizer Subsidy Program.
The pilot phase, targeting 250,000 smallholder farmers across 11 counties of Makueni, Kisii, Migori, Meru, Nyeri, Trans Nzoia, Kakamega, Kericho, Nakuru and Uasin Gishu , embeds insurance worth Ksh 7,000 (the value of two bags of subsidized fertilizer) directly into fertilizer access via the Kenya Integrated Agriculture Management Information System (KIAMIS).
This innovation aims to de-risk farmers from climate shocks like erratic rainfall, pests, and crop failure, using AI-powered registration, satellite data, and mobile-based payout systems.
As the program scales up nationally, it will expand coverage and unlock new financing pathways for farmers, ushering in a new era of inclusive, digital-first climate adaptation in Kenya’s agriculture sector.
The move reinforces the government’s commitment to transforming input support into a tool for resilience, dignity, and economic empowerment for the farmers who feed the nation.
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The program will expand its coverage and deploy innovative public private financing mechanisms to reduce vulnerability and promote sustained investment in agricultural inputs.
The partnership aims to emend insurance into subsidized fertilizer distribution supporting government’s broader vision of enabling farmers to adopt climate smart practices and data driven tools.
National Cereals and Produce Board (NCPB) Managing Director Samuel Karogo said the program will improve uptake and confidence in the fertilizer subsidy program by offering value added services.
Each farmer registered on the Kenya Integrated Agriculture Management Information System (KIAMIS) in the beneficiary counties will be offered insurance coverage of ksh 7000 equivalent to the investment needed for two bags of subsidized fertilizer which they procure from the government.
Farmers will be automatically be enrolled in the insurance scheme when receiving their subsidized fertilizer.
The initiative is designed to de risk stallholder farmers from climate related threats, marking a major shift toward inclusive insurance at scale.
By Obegi Malack
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