Reinsurance Solutions: Agriculture/Crop


Since 2011, there has been an increase in Government interest to promote crop and agriculture insurance.

Aon works closely with governments and insurance carriers to establish an appropriate agriculture insurance programme. In many developing countries, agriculture is the major employer and so a sustainable and effective programme contributes to economic growth and social upliftment. Agriculture insurance also expands the domestic food production, contributing to the nation’s food security policies. Hence, agriculture insurance, via the huge monetary amounts that governments avail to premium subsidies, is now a major class of business in many countries.

Aon's Reinsurance Solutions works with over 50 reinsurers to enhance product offerings and boost the available capacity. There is expertise across all lines of business, several geographies and products varying from standard hail covers, multi-peril crop insurance covers to parametric crop insurance covers. We use our modelling and experience to help design and price effective covers which then can be used to garner the necessary reinsurance support, and/or the most effective reinsurance structure. We also can assist reinsurers manage their risks and accumulations by arranging retrocession cover.

Helping agriculture re/insurers grow 

Agriculture insurance does extend well beyond government subsidised programmes. There are several corporate entities that would also suffer from a reduction in crop yield or livestock production. Aon can also help here by designing bespoke covers to protect income streams and increased costs of working if a corporate were to experience a reduction in its agriculture supply, either reduced harvests or a reduction in livestock products.

Aon uses its expertise and global knowledge to provide solutions to assist clients in solving their agricultural insurance needs.



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