About Risk Shield
We are a specialist technical service provider and a leading consultancy firm in the insurance sector. We deliver actuarial, operational, and capacity-building services for agricultural, index-based, health, life, and digital insurance products tailored for the underserved.
Our Mission
To advance financial inclusion by developing innovative and sustainable insurance solutions that protect the livelihoods of smallholder farmers and vulnerable communities.
Our Vision
To be the leading technical partner in building inclusive, data-driven insurance ecosystems that protect vulnerable communities, empower smallholder farmers, and strengthen resilience across Africa and beyond.
Our Core Values
At Risk Shield Consultants, our work is guided by a deep commitment to impact, integrity, and innovation. These values shape every product we design, every partnership we build, and every community we serve.
Integrity
We uphold the highest ethical standards in all our engagements. Our work is transparent, accountable, and grounded in evidence-based practice.
Innovation
We harness technology, data science, and actuarial insights to pioneer inclusive insurance solutions that meet the evolving needs of underserved populations.
Inclusion
We believe insurance should work for everyone, regardless of income level, location, or literacy. We design accessible, affordable, and understandable products for the mass market.
Excellence
We strive for technical rigor and operational quality in every service we deliver—be it pricing, training, or product rollout.
Collaboration
We build long-term, trust-based relationships with insurers, reinsurers, governments, NGOs, and value-chain actors to scale meaningful solutions.
Impact
We are driven by measurable outcomes. Our goal is to reduce vulnerability, strengthen resilience, and improve livelihoods, especially for smallholder farmers and informal workers.
Why Choose Us
At Risk Shield Consultants, we combine deep technical expertise with practical, on-the-ground experience to deliver insurance solutions that are impactful, scalable, and tailored to the realities of developing and emerging markets. Here's what sets us apart:
World-Class Actuarial Expertise
The team is led by a fully qualified actuary (FIA, UK) and supported by a global network of actuarial and insurance specialists. Our team brings robust analytical skills and modelling techniques to design and price sustainable insurance products, including weather index, yield index, health, life, and social protection solutions.
Proven Track Record Across 55+ Countries
Since 2015, we have supported the design and implementation of insurance products in over 55 countries across Africa, Asia, and Europe. Our products have insured over 10 million smallholder farmers and vulnerable households, making us one of the most experienced consultancies in inclusive insurance.
Comprehensive Service Offering
From feasibility assessments and product design to regulatory approval, training, and operational rollout, we provide end-to-end support. Whether you are an insurer, development agency, government body, or agribusiness, we deliver technical, operational, and strategic services tailored to your context.
Innovative, Data-Driven Solutions
We leverage big data analytics, satellite technology, weather station data, and long-term yield data to design parametric products that respond to real-world climate and agricultural risks. Our products are informed by science, tailored to local contexts, and built to scale.
Experience with Complex Multi-Stakeholder Projects
We have successfully coordinated with insurers, reinsurers, ministries of agriculture, regulators, NGOs, seed companies, agro-dealers, and digital platforms. Our ability to manage multi-actor initiatives and align them around inclusive insurance solutions sets us apart.
Capacity Building & Local Empowerment
We don't just deliver solutions, we build capacity. Our trainings target insurers, regulators, farmers, and value chain actors, ensuring local stakeholders have the skills and knowledge to own and sustain insurance solutions over the long term.
Adaptability and Innovation in Delivery Channels
We understand the challenges of reaching remote and low-income populations. From mobile-based vouchers to digital premium collection and claims payout systems, we help partners integrate insurance into rural development, financial inclusion, and subsidy programs.
Strong Global and Local Networks
We maintain active working relationships with top insurers, global reinsurers, and field-level distribution partners. These networks enable us to design solutions that are financially viable and widely accepted.
Mission-Driven for Real Impact
Every project we undertake is anchored in our mission to reduce vulnerability and improve livelihoods. Whether insuring a million farmers under a government subsidy program or developing a bundled product for rural women entrepreneurs, we are committed to delivering real, measurable impact.
Ready to Partner With Us?
Let's work together to design and implement innovative insurance solutions that make a real difference in communities worldwide.