AB Entheos Ltd.
AB Entheos designs and administers inclusive insurance products for climate, wildlife conflict, and MSME risks across seven African countries, serving governments, insurers, and underserved rural communities through digitized claims platforms and community-based distribution.
- Company typePrivate
- Founded2014
- HeadquartersNairobi, Kenya
- Headcount11–50
- GTM typeB2B
- OfferingServices
What AB Entheos Ltd. does
AB Entheos Ltd. is a Nairobi-based insurance design and insurtech firm founded in 2014 by Anne Kamau and Barbara Chesire (originally operating as AB Consultants Limited and rebranded in 2023). The company designs, deploys, and administers context-specific insurance products for nature, climate, and human-wildlife conflict risks across seven African countries, targeting underserved rural communities, pastoralists, farmers, MSMEs, and informal workers who lack access to conventional insurance. Its core offerings include the Kenya Human-Wildlife Conflict (HWC) Insurance scheme (digitized via USSD shortcode and mobile app, piloted across six counties with Kenya Wildlife Service, Minet, and Pula), WILD Cover (a combined HWC and parametric drought product launched in Zambia in 2025), index-based flood insurance with Britam and Swiss Re, satellite-based livestock insurance, and the ResilientME! financial literacy game deployed with 30+ partner organizations. Underlying technology comprises an end-to-end digital claims administration platform, USSD-based reporting, mobile evidence-collection apps for community verification officers, satellite and remote-sensing inputs for parametric triggers, and digital payout processing that has reduced claims cycles from years to 30-90 days. The firm earns revenue through technical consulting and product design fees, consortium participation, donor-funded project work, and NITA-certified training programs, with insurance premiums typically financed by governments or development partners rather than paid directly by end beneficiaries.
AB Entheos Ltd. firmographics
Firmographics- Name
- AB Entheos Ltd.
- Legal name
- AB Entheos Ltd.
- Website
- https://ab-entheos.co.ke
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- AB Entheos designs and administers inclusive insurance products for climate, wildlife conflict, and MSME risks across seven African countries, serving governments, insurers, and underserved rural communities through digitized claims platforms and community-based distribution.
- Ownership category
- akta.pro rank
AB Entheos Ltd. industry classification
Industry- Product category
- Inclusive Microinsurance and Climate Risk Insurance
- NAICS
- Insurance Agencies and Brokerages (524210), Other Insurance Related Activities (52429), Insurance Carriers and Related Activities (524)
- SIC
- Insurance Agents, Brokers & Service (6411), Services-Computer Integrated Systems Design (7373), Accident & Health Insurance (6321)
- akta.pro primary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
Keywords
Where AB Entheos Ltd. is headquartered
LocationHeadquarters
- HQ city
- Nairobi
- HQ country
- Kenya
- HQ region
- Africa
Offices2 records
Markets served
AB Entheos Ltd. business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Technical Consulting Services: AB Entheos provides technical expertise in designing and implementing insurance solutions for nature, climate risk, and human-wildlife conflict. Revenue generated through consultancy fees for product design, feasibility studies, and implementation support.
- Consortium-Based Insurance Administration: As part of consortiums (with Pula, Minet, Kenya Wildlife Service), AB Entheos contributes to wildlife compensation scheme administration, potentially receiving fees for claims verification and platform services.
- Insurance Product Development Partnerships: Partnership with insurers like Britam and Swiss Re to develop and deploy index-based and microinsurance products, with revenue from technical support and product design fees.
- Training and Capacity Building: NITA-certified training provider offering microinsurance and digital financing training programs to institutions, generating revenue through training fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Government/Institutional Pricing |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels6 records
AB Entheos Ltd. product offering
Product offeringCore offering
AB Entheos is an insurance design and consultancy firm that creates and administers inclusive, technology-enabled insurance products for underserved African communities facing climate risk and human-wildlife conflict. Core deliverables include the WILD Cover parametric HWC/drought insurance product, a digitized HWC claims administration scheme in Kenya, index-based flood insurance, satellite-based livestock insurance, MSME microinsurance (Small Business Cover, Hospicash), and the ResilientME! financial literacy game. Products are delivered through consortium partnerships with insurers and governments, supported by a USSD/mobile claims platform and a Community Verification Officer network.
Product overview
AB Entheos Ltd. is an insurance design and consultancy firm specializing in inclusive insurance solutions for underserved communities in Africa. The company operates multiple distinct products under its portfolio: WILD Cover (wildlife conflict and parametric drought insurance), the HWC Insurance scheme (digitized claims administration for human-wildlife conflict), index-based flood insurance, satellite-based livestock insurance, and financial literacy tools including ResilientME! (a gamified education platform with four editions). These products are delivered through digital platforms (USSD, mobile apps) and supported by community-based verification networks. The company also offers co-designed microinsurance products including Small Business Cover and Hospicash for MSMEs. All offerings are grounded in the company's 'Insurance for Nature' approach that integrates financial resilience with conservation impact.
Differentiator
Problem solved
Functional benefit
Products and services
- WILD Cover Wildlife Insurance for Livelihoods Development (WILD)Cover is a human-wildlife conflict (HWC) compensation and parametric drought insurance product piloted in Kafue, Zambia. It provides quick, fair payouts for human death/injury, crop damage, property damage, and livestock predation, targeting communities in three Game Management Areas.
- Human-Wildlife Conflict (HWC) Insurance Digitized HWC insurance scheme providing end-to-end coverage for human death, human injuries, animal predation, crop damage, and property damage. Operates through a USSD shortcode and mobile app, with Community Verification Officers (CVOs) validating claims on-site, piloted in Kenya across six counties covering 80% of HWC incidences.
- Index-based Flood Insurance Parametric flood insurance for Kenyan farmers, designed with Britam and Swiss Re. Payouts are automatically triggered when flood levels reach predetermined thresholds, providing accessible and affordable coverage for households in high-risk flood areas like Tana River County.
- Satellite-based Livestock Insurance Livestock insurance utilizing satellite imagery and remote sensing to monitor pasture conditions and detect drought. Allows quicker drought-related payouts to pastoralists based on environmental indicators rather than individual loss assessments.
- ResilientME! Interactive financial literacy and insurance education game designed for microentrepreneurs and farmers. Four editions exist (MSME, Mkulima farmer, Savings group, HWC) and have been used to educate over 300,000 people directly and 400,000+ indirectly across Africa.
- Small Business Cover Microinsurance product protecting MSMEs against risks such as fire, theft, and loss of income. Co-designed with Britam and Hand in Hand Eastern Africa using insights from ResilientME! financial literacy assessments.
- Hospicash Health microinsurance product providing daily cash payments to beneficiaries during hospitalization. Designed to support entrepreneurs and their families facing potential income loss during medical treatment.
- Microinsurance and Digital Financing Training NITA-certified training programs covering microinsurance and digital financing, delivered to institutions and partner organisations. Generates revenue through training fees and builds industry capacity across Africa.
Quantifiable outcome
- Over 6,000 claims verified with approximately $80,000 in payouts within first 18 months of Kenya HWC pilot
- +4 more outcomes
Companies that use AB Entheos Ltd.
Customer profileNamed customers7 records
Segments6 records
Ideal customer profiles4 records
AB Entheos Ltd. technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature6 records
AB Entheos Ltd. partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core and supporting.
- PulacoreConsortium partner in Kenya's human-wildlife conflict insurance scheme, working alongside Minet and Kenya Wildlife Service to implement the digitized claims administration system.
- Minet (Pan-African Risk Solution Provider)coreInsurance company partner in the HWC consortium providing insurance expertise and claims processing capabilities for the wildlife compensation scheme.
- Kenya Wildlife Service (KWS)coreGovernment wildlife authority partner overseeing the HWC compensation scheme, working with consortium to implement digital claims system.
- BritamcoreInsurance partner for index-based flood insurance solution for Tana River County households, with technical support from AB Entheos and funding from FSD Africa.
- Swiss RecoreReinsurance partner providing expertise and capacity for climate risk insurance products including flood and livestock insurance.
- Taita Taveta Wildlife Conservancies Association (TTWCA)supportingConservancy umbrella partner helping identify locations with highest incidences of human-wildlife conflict for scheme deployment.
- Laikipia Conservancies Association (LCA)supportingConservancy association partner for HWC scheme identification and community engagement activities.
- Hand in Hand Eastern AfricacorePartner organization that co-designed Small Business Cover and Hospicash microinsurance products using insights from ResilientME! assessments.
- International Institute for Environment and Development (IIED)supportingDevelopment organization featured on AB Entheos work and collaborated on human-wildlife coexistence insurance guide.
- Salzburg Global SeminarsupportingInternational organization featuring AB Entheos climate-resilient community work in Kenya.
- Microinsurance NetworksupportingMulti-stakeholder platform where AB Entheos is a member, participating in annual meetings and sharing expertise on inclusive insurance.
- Munich Re FoundationsupportingFoundation co-organizer of microinsurance learning sessions and conferences that AB Entheos participates in.
- Insurance Regulatory Authority of Kenya (IRA)supportingKenyan insurance regulator that facilitated and supported the 2016 microinsurance conference hosted by AB Consultants.
- CenfrisupportingResearch organization that participated as keynote speaker at AB Consultants-hosted microinsurance conference.
- Access to Finance RwandacoreDevelopment organization that engaged AB Entheos for Rwanda I3C project to help insurers develop customer-centric insurance solutions.
- Conservation Partners (Zambia)coreLocal conservation organizations working with AB Entheos in Greater Kafue Landscape for WILD Cover implementation.
Scale indicators11 records
Recent moves7 records
Expansion highlights6 records
AB Entheos Ltd. competitors and assessment
Company assessmentBroad incumbents
- Britam Holdings: Britam is a major Kenyan insurance and financial services group offering life, health, general, and asset management products. It is AB Entheos' insurance partner for index-based flood insurance in Tana River and a partner on MSME products.
- Swiss Re: Swiss Re is one of the world's largest reinsurers and an active partner with AB Entheos on climate-risk products including flood and livestock insurance. It overlaps as a counterparty and reinsurance capacity provider rather than as a direct competitor.
Direct peers
- Pula: Pula is an African insurtech focused on agricultural and climate risk insurance for smallholder farmers, with a similar parametric/index product suite and consortium-based delivery model. It is a direct consortium partner with AB Entheos on the Kenya HWC pilot.
- Minet: Minet is a pan-African risk solutions and insurance brokerage firm serving corporate and institutional clients across multiple African markets. It is a direct consortium partner on the Kenya HWC scheme, comparable in operating model across Africa.
- BIMA (Milvik): BIMA provides mobile-delivered microinsurance and health products to low-income consumers in emerging markets, particularly Africa and Asia. It is a direct competitor in the digital microinsurance-for-the-underserved space.
- ACRE Africa (Climate Risk Insurance): ACRE Africa designs and distributes index-based agricultural insurance to smallholder farmers across East Africa. It overlaps directly with AB Entheos in parametric climate-risk insurance products targeting underserved rural African populations.
- Inclusivity Solutions: Inclusivity Solutions is a digital insurance platform that designs, prices, and distributes embedded microinsurance products across Africa and emerging markets. Comparable in mission (insurance for underserved) and in building partner-led distribution into insurers.
- MicroInsurance Centre at Milliman: The MicroInsurance Centre is an international consulting and research organization designing and implementing microinsurance solutions in emerging markets. It is comparable to AB Entheos in offering advisory, product design, and capacity-building services to insurers serving low-income markets.
Others
- Cenfri: Cenfri is a research and technical assistance organization focused on financial sector development and inclusive insurance in emerging markets. It collaborates with AB Entheos through Microinsurance Network and inclusive-insurance ecosystem work.
- FSD Africa: FSD Africa is a development finance organization that funded AB Entheos' index-based flood insurance project in Tana River. It is an enabler/funder rather than competitor, but sits in the same inclusive-finance ecosystem.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
AB Entheos Ltd. social profiles
Digital presenceAB Entheos Ltd. financial estimates
Financial estimateRevenue estimate
Valuation estimate
AB Entheos Ltd. leadership team
Management profileNumber of profiles
Profiles13 records
AB Entheos Ltd. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AB Entheos Ltd. M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about AB Entheos Ltd.
What does AB Entheos Ltd. do?
AB Entheos is an insurance design and consultancy firm that creates and administers inclusive, technology-enabled insurance products for underserved African communities facing climate risk and human-wildlife conflict. Core deliverables include the WILD Cover parametric HWC/drought insurance product, a digitized HWC claims administration scheme in Kenya, index-based flood insurance, satellite-based livestock insurance, MSME microinsurance (Small Business Cover, Hospicash), and the ResilientME! financial literacy game. Products are delivered through consortium partnerships with insurers and governments, supported by a USSD/mobile claims platform and a Community Verification Officer network.
Is AB Entheos Ltd. a public or private company?
AB Entheos Ltd. is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was AB Entheos Ltd. founded?
AB Entheos Ltd. was founded in 2014. It employs 11 to 50 people.
Where is AB Entheos Ltd. based?
AB Entheos Ltd. is headquartered in Nairobi, Kenya, in the Africa region.
How does AB Entheos Ltd. make money?
Four revenue lines are on record. Technical Consulting Services are the primary driver. The others are consortium-Based Insurance Administration, insurance Product Development Partnerships and training and Capacity Building.
Who are AB Entheos Ltd.'s main competitors?
Broad incumbents on record are Britam Holdings and Swiss Re. Direct peers are Pula, Minet, BIMA (Milvik), ACRE Africa (Climate Risk Insurance), Inclusivity Solutions and MicroInsurance Centre at Milliman. Others are Cenfri and FSD Africa.
Does AB Entheos Ltd. have an API?
No public API is recorded for AB Entheos Ltd..
What industry is AB Entheos Ltd. in?
AB Entheos Ltd.'s product category is Inclusive Microinsurance and Climate Risk Insurance. Its primary akta.pro industry code is FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms. Its NAICS code is 524210 and its SIC code is 6411.