12/08/2026
Closing the basis risk gap in livestock insurance.
Index-Based Livestock Insurance (IBLI) provides payouts when satellite data indicates that drought conditions have reached a critical threshold. But what happens when the data doesn't reflect reality on the ground?
Pastoralists may be losing livestock while the satellite shows no trigger for compensation. This disconnect, known as basis risk, is one of the biggest barriers to trust and adoption of index insurance.
Professor Caroline Ogutu of the University of Nairobi is tackling this through a transdisciplinary methodology combining actuarial models (Gradient Boosting Machine) with community-based social research and citizen science.
By bringing together data science and local knowledge, this research is helping build insurance systems that are not only more accurate, but also more responsive to the lived experiences of pastoralist communities.
The result is a livestock insurance that doesn't just rely on data, it also listens to the people it is designed to protect.
Watch this video
For more details on the BIMA project, visit https://clareprogramme.org/bima