Purple Wallet

Agriculture & SME
Insurance

97% of African
80% of Asian

Purple Wallet works with smallholder farmers, cooperatives, processors, traders, and agri-SMEs across emerging markets. Our goal is to reduce the massive protection gap — where most small farmers in Africa and Asia remain uninsured

Speak to Our Risk Advisory
Construction site

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Key Challenges in Agriculture & Small Business

Climate & Environmental Uncertainty

Farmers and agri-SMEs face unpredictable rainfall, rising temperatures, and weather extremes — all of which threaten production and cashflow.

Vulnerable Storage & Transport Chains

Crops and goods often pass through fragile supply chains where damage, spoilage, or loss can occur during storage.

Counterparty & Buyer Default
Risk

When a buyer or partner fails to pay or fulfil their obligations, the financial strain can disrupt entire operations.

Price Shocks & Political Instability

Shifts in commodity prices or unexpected political events can influence inventory value and business stability.

Limited Reach & Accessibility

High costs, low trust, and insufficient data make it difficult for small farmers and SMEs to access meaningful insurance.

Limited Data for Underwriting

Many farmers and SMEs lack historical records, yield data, or financial documentation, making accurate risk assessment and for insurers.

How We Protect the Entire Value Chain

Weather & Production Cover

We provide parametric weather protection (rainfall, drought, heat and more), satellite-triggered payouts, crop-specific insurance, and relevant business-interruption cover for agri-activities.

Asset, Storage & Movement Protection

We insure stock and physical assets — even in areas where political violence risks exist, as well as goods transported by road, sea, or mixed routes.

Cashflow & Trade Security

Our solutions include receivables or trade-credit protection, political-risk cover for cross-border transactions, and surety/bond structures to support financing.

People-Focused Protection

Seasonal workers, permanent employees, youth-led agri-businesses and women-led enterprises can be covered under group accident and health policies.

Essential coverage areas

Parametric Weather

Crop - Business Interruption

Stock/Assets (incl. PVT)

Cargo/GIT - Construction/Installation

Trade Credit

Political Risk - Surety/Bonds

Group PA & Health

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Ready to Get Started?

Share your value-chain map and current protections. Our sector team will return a pragmatic, cost-aware protection plan you can execute this season.

Talk to an Agriculture & SME Specialist