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our mission

Our mission is to help farmers in the developing world reduce risk.
Smallholder farmers everywhere face the constant threat of drought and 90% of them have no access to crop insurance. There is no social safety net.  When there is drought, farmers lose more than just their income -- they lose the ability to pay school fees for their children and feed their families.
Investors seek a source of diversified returns that are not subject to financial system crashes. They care about using their funds to enable the growth and resiliency of society. They want to build a better world and build their wealth while doing so.
We provide crop insurance to farmers, backed by attractive investment products.

What we do

for farmers:

We provide crop insurance to protect against loss of yield

Our model

  • Our local team understands customers’ needs and provides a crop insurance product that is simple, affordable, and effective in reducing risk from droughts and other problems.

  • We use satellites to monitor the rainfall and trigger payouts automatically.

  • Our transparent risk model limits downside risk and provides positive expected return.

our Impact

Crop insurance enables farmers to:

  • Gain access to credit and services for their farm and their family
  • Invest in their most productive crops
  • Pay school fees and feed their families even when there is drought
  • Live without fear of the future

For Investors:

We provide attractive returns and social impact


Investing with WorldCover gives you diversified exposure to insurance investments tied to natural risks, like weather.
  • Choose among sets of customers around the world looking for insurance for different risks, for example maize farmers in Ghana
  • Earn a portion of premiums paid by the customer
  • Your funds are used for payouts if a drought occurs


Earn above-market returns with diversified risk. Performance is linked to weather in Africa, not the S&P 500.

  • Better return profile than bonds or stocks
  • Limited downside risk
  • Low correlation to your current portfolio

partner with us

Help us bring insurance to smallholder farmers

We work with partners to make our crop insurance products happen in each market:

If you would like to explore insurance for your organization or for the smallholder farmers you work with, please let us know by clicking below!

We would love to work with you if you are a:

  • MFI (Microfinance Institution)
  • Bank / Fund Manager
  • NGO
  • Government Program
  • Agri Business (Fertilizer, Tractor, Seed or Input Dealer)
  • International Food & Beverages Company
Let us know if you’re interested in discussing an opportunity to work together!
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invest WITH US

Register now to help provide crop insurance to 200,000 farmers around the world.

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What customers are saying

“All these years we have been farming and suffering loss from drought, we have never had any crop insurance product like this, so I like the payout we could receive if there happens to be a drought.”
Issifu Jambaku

WHAT investors are saying

'It's pretty exciting being able to make investments where I can earn a profit and also learn more about the people my investment directly helped."
Josh wilson
"WorldCover is transparent, responsive, and makes investing an easy and rewarding experience"

Sandy Hwang

"WorldCover's products help the world while diversifying my risk exposure."
joe sikoscow

Spotlight: ghana

As a safe, secure, English-speaking country with a peaceful democracy, Ghana is one of the best places to do business in Africa. Its GDP of close to $50 billion gets a significant contribution from agriculture, while more than half its population of 25 million people are involved in farming.

WorldCover has invested over $1 million on research in Ghana, developing products for several cereal crops. We have interviewed thousands of farmers in Upper West Region, Northern Region, Upper East Region.

Our goal is to help smallholder farmers and small businesses throughout Ghana and the rest of Africa manage their risks relating to climate change and the weather.

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