Funding
Funding not disclosed
Founders
Product
Problem
Brazilian rural producers face significant financial risks due to unpredictable climate events, which can severely impact crop yields and income. Traditional insurance options are often expensive, have limited coverage, and involve complex, lengthy claims processes, leaving many farmers underprotected.
Solution
Natu Capital offers a digital parametric insurance solution designed to protect Brazilian rural producers against climate-related risks. The platform provides customized climate protection, enabling farmers to quickly contract policies online. Using high-precision satellite data (100m resolution) and over 45 years of historical climate data, Natu Capital monitors insured areas for events like drought, excessive rainfall, extreme heat, or intense cold. If the pre-defined climate triggers are met, the platform automatically initiates indemnity payments via PIX, Brazil's instant payment system, ensuring a fast and hassle-free claims process without the need for on-site inspections.
Target Audience
The primary target audience includes Brazilian rural producers seeking affordable and accessible climate risk protection, as well as agricultural cooperatives and trading companies looking to offer innovative insurance solutions to their members and clients.
Features
- Digital policy contracting via website/mobile in three steps
- Parametric insurance triggered by climate data, eliminating the need for traditional loss adjustment
- Indemnity payments processed automatically via PIX within 7-30 days of trigger events
- Customized coverage allowing producers to define insured value and climate triggers
- High-precision climate monitoring using satellite data validated against INMET weather stations
- "Digital twin" technology to suggest personalized climate triggers
- Coverage for four climate risks: drought, excessive rain, extreme heat, and intense cold