# Guarda

> Parametric climate insurance for Brazilian agribusiness, powered by satellite data

## At a glance

| Field | Value |
| --- | --- |
| Category | Specialty Solutions |
| Type | Solutions Provider |
| Region | LATAM |
| Headquarters | Sao Paulo, Brazil |
| Founded | 2024 |
| Stage | Startup |
| Employees | 11-50 |
| Funding | Seed |

## Overview

Guarda is a parametric insurance provider for agricultural producers in Brazil, offering coverage against extreme climate events including drought and excess rainfall. The company targets rural producers, cooperatives, and financial institutions operating in the Brazilian agribusiness sector.

The platform delivers climate insurance contracts triggered automatically by satellite-monitored weather indices. When contractual thresholds are reached -- such as cumulative rainfall below or above agreed levels -- payment is issued within 30 days via PIX, Brazil's instant payment system, without field inspections or claim adjustments. All indemnities are backed by European reinsurance groups. The platform also organizes agricultural data from multiple sources to support portfolio monitoring, credit scoring, and origination decisions for cooperatives, banks, and trading companies.

Founded in 2024, Guarda completed a pre-seed round of R$ 4.5M in December 2025, led by Randon Ventures (the corporate venture arm of Randoncorp, a major Brazilian agroindustrial group) alongside Colligo and several angel investors with backgrounds in reinsurance, fintech, and agribusiness. The company was targeting coverage of 5,000-10,000 hectares during its early commercial validation phase in 2026.

## Products & services

### Parametric Climate Insurance

Digital parametric insurance contracts for rural producers covering extreme climate events. Coverage is based on objective satellite-measured climate indices rather than field inspections or productivity assessments. When predefined weather thresholds are met, payment is issued automatically within 30 days via PIX. Coverage is tailored to the specific crop, region, and risk profile of each producer. Risk is backed by European reinsurance partners.

**Key features:**

- Satellite\-monitored climate triggers with no field inspections required
- Automatic indemnity payment within 30 days via PIX
- Fully digital quotation and contracting at guardaclima\.com/simulacao
- Backed by European reinsurance groups

*Target users:* Rural agricultural producers in Brazil

### Agricultural Intelligence Platform

Data platform that aggregates and organizes agricultural data from multiple sources with full traceability. Provides monitoring, risk assessment, and decision routines for institutional clients including cooperatives, banks, resellers, insurance companies, and trading companies. Individual producers can access free real-time harvest monitoring and regional risk assessment.

**Key features:**

- Portfolio monitoring and productive capacity classification
- Credit scoring and origination support
- Satellite and climate model integration
- Real\-time regional risk assessment at no cost for producers

*Target users:* Agricultural cooperatives, rural lenders, insurance companies, trading companies

## Category & focus

- Subcategories: Parametric Insurance, Agricultural Insurance, Climate Risk
- Insurance verticals: Specialty/E&S
- Target customers: Carriers, Brokers, Consumers

## Notable customers

- Agricultural cooperatives
- Farm supply retailers \(agro\-input resellers\)
- Financial institutions offering rural credit
- Specialized insurance brokers

## Links

- Website: <https://guardaclima.com>
- Directory profile: <https://insurtechlist.com/companies/guarda-clima/>
- Product/quotation: <https://guardaclima.com/simulacao>

---

*Last updated: 2026\-06\-25*