Build a Clearer Record of Agricultural Risk

For: Agricultural Insurer

Umlimisi can help build a clearer production history before, during and after an agricultural loss event.

Umlimisi for Agricultural Insurers

Agricultural insurance operates in an environment where conditions can change quickly and evidence may be difficult to reconstruct after a loss has occurred.

When was the crop planted? What activities were completed? When did the problem begin? What did the farmer do in response? What was the condition of the crop before and after the event?

Umlimisi can help create a clearer production history throughout the farming cycle.

The challenge

An insurer may receive information mainly at application, inspection or claim stage. A farmer may then be asked to reconstruct months of activity from memory, messages, receipts and photographs.

This can make it difficult to establish:

• The crop and planting period
• Normal production activity before the loss
• When symptoms or damage first appeared
• What interventions were undertaken
• Whether the problem affected one field or several
• What production was eventually harvested

How Umlimisi can help

As part of normal farm management, the farmer can record fields, crops, activities, problems, images, interventions, costs and harvests.

With the farmer’s permission, selected records could provide additional context for risk assessment, monitoring or claims review. Umlimisi does not determine whether a claim is valid and does not replace an assessor. It provides an organised operational record for authorised parties to consider.

A clearer sequence of events

Agricultural losses are rarely understood through one photograph.

A useful record may show:

1. What was planted
2. When production began
3. Which routine activities were completed
4. When a problem was first observed
5. What evidence was recorded
6. Which intervention followed
7. How the crop progressed
8. What was ultimately harvested

This sequence helps create context around the event.

A possible insurance journey

1. The farm and insured production are recorded.
2. The farmer continues capturing normal activities.
3. A material problem or event is observed.
4. The farmer records photographs and relevant information.
5. The farmer follows the insurer’s normal notification and claims process.
6. Authorised Umlimisi records provide supplementary context.
7. The insurer’s assessor evaluates the claim under the policy terms.

What the insurer gains

• A more organised production history
• Better context for farm inspections
• A clearer timeline around reported events
• Evidence of interventions recorded by the farmer
• Less dependence on retrospective reconstruction
• Information that may help identify recurring agricultural risks

What the farmer gains

The same records used to manage the farm can also help the farmer explain what happened. This reduces the need to create an entirely separate history only when a claim arises.

The farmer must still follow the insurer’s policy requirements, notification periods and claims procedures.

Trusted information, shared for a clear purpose

Insurance use of farm information must be transparent and based on consent. The farmer should understand what is shared, why it is required and how it will be used.

Explore Umlimisi for agricultural insurance

Discuss how farmer-consented production records could complement your existing assessment and claims processes.

Partner with Umlimisi. →