# L1A > You cannot control the climate, but now you can manage the risk\. ## At a glance | Field | Value | | --- | --- | | Type | MGA | | Region | NA | | Headquarters | [Unknown] | | Employees | 1-10 | ## Overview Layer 1 Agriculture (L1A) is a crop insurance MGA that uses proprietary AI to underwrite specialty crop and agricultural risk for producers in underserved and climate-vulnerable markets. The company draws on backgrounds in agriculture, risk management, and technology to translate fragmented farm-level data into insurance-grade risk scores. L1A delivers two primary insurance structures -- parametric and indemnity -- alongside white-label insurance and finance products for carrier partners, reinsurers, and agricultural lenders. The company's risk engine analyzes climate, crop, operational, and market variables to generate farm-level scores that underpin coverage pricing and binding decisions. With six employees and participation in the 2025 Global Insurance Accelerator cohort, L1A operates at an early growth stage. It also participated at ITC Las Vegas 2025 as a sponsor and presenter. ## Products & services ### L1A Risk Engine A proprietary vertical AI system that generates farm-level risk scores by aggregating climate, crop, operational, and market data. The engine underpins pricing for both parametric and indemnity products and enables real-time underwriting decisions in low-data agricultural environments. **Key features:** - Farm\-level risk scoring across climate, crop, operational, and market dimensions - Precision pricing based on individual farm risk profiles rather than broad categorical ratings - Real\-time decision support in low\-data environments *Target users:* Carriers, reinsurers, and agricultural lenders seeking farm\-level risk intelligence *Distribution:* API\-based integration for partners ### Parametric Insurance Automated coverage with payouts triggered by objective weather or climate event thresholds such as drought indices or rainfall shortfalls. Claims settlement is systematic and does not require field loss verification. **Key features:** - Objective trigger events \(drought, rainfall, temperature\) - Rapid, transparent claims settlement - Suitable for regions with limited loss\-adjustment infrastructure *Target users:* Specialty crop producers and smallholders in climate\-volatile regions *Distribution:* Direct and through partner channels ### Indemnity Insurance Traditional revenue-loss coverage for agricultural producers, priced using L1A Risk Engine scores. Enables carriers to compete for specialty crop business with actuarially grounded pricing. **Key features:** - Precision\-priced based on actual farm risk profile - Revenue\-loss coverage tied to crop yield and market variables - Carrier\-capacity backed *Target users:* Specialty crop producers seeking traditional coverage *Distribution:* Through carrier and MGA partners ### White\-Label Insurance and Finance Products L1A provides a platform for insurers, reinsurers, and agricultural lenders to develop branded insurance and finance products built on its underlying risk intelligence and infrastructure. **Key features:** - Branded product development using L1A risk data - Custom underwriting rules and product configurations - Supports both insurance and credit/lending applications *Target users:* Insurers, reinsurers, and ag lenders *Distribution:* B2B platform and API ### Captive Structures Custom risk retention pools designed for cooperatives, grower alliances, and agribusinesses that want to retain risk and access reinsurance markets directly. **Key features:** - Group risk pooling for member organizations - Reinsurance market access - Custom risk retention design *Target users:* Agricultural cooperatives, grower alliances, and large agribusinesses *Distribution:* Direct to cooperatives and grower organizations ## Links - Website: - Directory profile: - Linkedin: - Get started: --- *Last updated: 2026\-06\-15*