Blue Marble

Parametric insurance solutions for climate-vulnerable communities in emerging markets

Specialty Solutions Established Consortium-Backed

Overview

Blue Marble Microinsurance is a parametric insurance solutions provider that designs and delivers climate index insurance programs for smallholder farmers, workers, and small-to-medium enterprises in emerging markets across Africa, Asia, and Latin America. The organization operates as a UK corporation owned by a consortium of leading insurance and reinsurance companies: Aspen Insurance, Grupo ASSA, MAPFRE, Marsh McLennan, TransRe, and Zurich Insurance Group.

The company develops index-based and parametric insurance products that trigger payouts automatically based on objective climate data -- rainfall indices, flood levels, temperature thresholds -- rather than traditional loss assessments. Blue Marble provides end-to-end program design services including feasibility studies, actuarial modeling, reinsurance capacity access via its Impact Reinsurance Facility, and integration with local distribution channels such as microfinance institutions and agricultural cooperatives.

Founded in 2015, Blue Marble has scaled programs across multiple countries including Colombia, Indonesia, Kenya, Zimbabwe, Guatemala, Honduras, Ecuador, and Peru. Its flagship Cafe Seguro program, co-designed with Nestle/Nespresso, has distributed parametric payouts to over 10,000 coffee producers in Colombia following La Nina rainfall events. In February 2026, a record parametric payout reached 2,719 smallholder farmers in Aceh, Indonesia following regional flooding.

Products & Services

Parametric Insurance Program Design

Blue Marble designs climate index insurance models that deliver rapid payouts triggered by objective climate data. Programs are built for specific crops, regions, and climate risks.

Key Features

Index design based on localized climate and satellite data
Actuarial validation for region-specific perils
Rapid payout triggers without traditional claims assessment

Target Users: Carriers, reinsurers, development finance institutions, agribusiness partners

Consulting & Feasibility Studies

Advisory services covering program viability analysis, product architecture, and distribution strategy for inclusive insurance programs.

Key Features

Market entry assessment for emerging markets
Distribution channel mapping (MFIs, cooperatives, NGOs)
Regulatory and partnership structuring

Target Users: Carriers, development organizations, reinsurers

Impact Reinsurance Facility

Provides access to reinsurance capacity for Blue Marble program partners, enabling programs to scale sustainably with risk transfer backing.

Key Features

Consortium-backed reinsurance capacity
Supports scaling of commercially viable programs
Structured to serve high-impact, underserved markets

Target Users: Carriers and program sponsors in emerging markets

Cafe Seguro Program

A parametric weather protection product for smallholder coffee farmers, developed in partnership with Nestle/Nespresso. Covers adverse rainfall events affecting coffee yields.

Key Features

Country-specific climate index triggers
Direct payout to smallholder farmers
Deployed in Colombia, Indonesia, Kenya, Zimbabwe, Guatemala, Honduras, and Peru

Target Users: Agribusiness companies, coffee cooperatives, development partners

At a Glance

Founded: 2015
Headquarters: London, UK
Employees: 11-50
Funding: Consortium-Backed

Category & Focus

Category: Specialty Solutions
Subcategories: Parametric Insurance Microinsurance Climate Risk Inclusive Insurance
Insurance Verticals: Specialty/E&S Reinsurance
Target Customers: Carriers, Reinsurers, MGAs/MGUs

Customers

Nestle/Nespresso (Cafe Seguro program partner)
AXA (Ecuador parametric agricultural insurance launch partner)
USAID Climate Finance Development Accelerator (Kenya program funding)
Amazon municipal governments (disaster financing partnership)
Smallholder farmers in Colombia, Indonesia, Ecuador, Kenya, Peru, Zimbabwe, Guatemala, Honduras