Guarda

Parametric climate insurance for Brazilian agribusiness, powered by satellite data

Specialty Solutions Startup 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.