# m\-Omulimisa

> Mobile agricultural insurance platform for smallholder farmers in Uganda

## At a glance

| Field | Value |
| --- | --- |
| Category | Specialty Solutions |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Kampala, Uganda |
| Founded | 2014 |
| Stage | Startup |
| Employees | 11-50 |
| Funding | Seed |

## Overview

m-Omulimisa is an agricultural technology and insurance distribution platform serving smallholder farmers in Uganda. The platform enables farmers to purchase and manage crop and livestock insurance policies through USSD (dialing *217*101#), a mobile app, and a web portal -- channels that serve farmers with and without smartphones. The company partners with the Agriculture Insurance Consortium (AIC) to distribute insurance under the Uganda Agricultural Insurance Scheme (UAIS), which provides government-subsidized coverage.

The platform uses satellite-based parametric insurance technology for drought index coverage, removing the need for traditional on-site loss assessments. Insurance premiums and claims payouts are handled through mobile money, making transactions accessible to rural farmers. Products cover a broad range of crops including coffee, tea, maize, rice, and beans, as well as livestock including dairy and beef cattle.

m-Omulimisa was founded in 2014 and received early-stage funding through awards from the UC Berkeley Big Ideas Challenge (Food Systems category) and a grant from Texas A&M University. The company operates across Uganda with a focus on expanding agricultural financial services access for subsistence and semi-commercial farming households.

## Products & services

### Mobile\-Based Agricultural Insurance

Crop and livestock insurance distributed via USSD and mobile app in partnership with the Agriculture Insurance Consortium (AIC). Coverage is subsidized up to 50% under the Uganda Agricultural Insurance Scheme (UAIS). Parametric drought index technology is used for crop insurance, triggering payouts based on satellite-measured rainfall rather than field inspections.

**Key features:**

- USSD access \(\*217\*101\#\) for feature phone users with no internet required
- Satellite\-based drought index triggers automatic payouts
- Mobile money payments and claims disbursement
- Coverage for 12\+ crop types and dairy/beef cattle

*Target users:* Smallholder farmers in Uganda

### mAgrosure Mobile App

An Android app (available on Google Play) for accessing insurance products, calculating premiums offline, purchasing drought insurance, and tracking claims.

**Key features:**

- Offline insurance premium calculator
- In\-app drought insurance purchase
- Claims status tracking
- No extensive paperwork required

*Target users:* Smallholder farmers with Android devices

### Mobile Extension Services

Agronomic advice, training content, and best practice guidance delivered to farmers through USSD and the mobile app.

**Key features:**

- Agronomic recommendations by crop type
- Seasonal farming guidance
- Accessible on both USSD and smartphone channels

*Target users:* Smallholder farmers

### Agricultural Market Information & Weather

Real-time weather updates and market price information delivered through the platform to support farmer decision-making.

**Key features:**

- Weather forecast data
- Agricultural commodity pricing
- Available via USSD and app

*Target users:* Smallholder farmers

### Agricultural Loans & Inputs Marketplace

Loan products tailored for smallholder farmers and a marketplace for purchasing agricultural inputs and connecting buyers and sellers of agricultural products.

**Key features:**

- Smallholder\-focused loan products
- Agricultural inputs procurement
- Peer\-to\-peer marketplace for farm products

*Target users:* Smallholder farmers

## Category & focus

- Subcategories: Parametric Insurance, Agricultural Insurance, Insurance Distribution
- Insurance verticals: Specialty/E&S
- Target customers: Consumers

## Notable customers

- Agriculture Insurance Consortium \(AIC\) \-\- underwriting and subsidy distribution under UAIS
- Mutual Insurance Uganda Association \(MUA\) \-\- agricultural insurance products

## Links

- Website: <https://m-omulimisa.com>
- Directory profile: <https://insurtechlist.com/companies/m-omulimisa/>
- Blog: <https://m-omulimisa.com/blog/>
- Linkedin: <https://ug.linkedin.com/company/m-omulimisa>
- Services: <https://m-omulimisa.com/services/mobile-based-agriculture-insurance/>
- Google play \(magrosure\): <https://play.google.com/store/apps/details?id=com.omulimisa.shameicooleeh.momilimisa>
- Google play \(m\-omulimisa\): <https://play.google.com/store/apps/details?id=m.omulimisa.uganda>

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*Last updated: 2026\-05\-17*