Blue Marble
Parametric insurance solutions for climate-vulnerable communities in emerging markets
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
Links
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Last updated: 2026-05-11